FHA Loan Limits in St. Charles County, Louisiana (2026)
In St. Charles County, the 2026 FHA loan limit for a one-unit home is $541,287. That matches the national FHA "floor," the limit that applies in most U.S. counties.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Example FHA payment in St. Charles County
Here is an illustrative FHA payment on a $225,000 home with 3.5% down ($7,875), an example 6.25% rate, and a 30-year term. Rates change daily — get notified when they move.
| Payment Component | Monthly |
|---|---|
| Principal & interest (6.25%, 30 yr) | $1,360 |
| FHA mortgage insurance (MIP) | $100 |
| Property taxes (est.) | $197 |
| Homeowners insurance (est.) | $117 |
| Estimated total payment | $1,773 |
How FHA loan limits work in Louisiana
FHA sets a separate loan limit for every U.S. county each year. The "floor" of $541,287 applies to lower-cost areas, while high-cost metros can go as high as the national ceiling of $1,249,125 for a single-family home. St. Charles County's limit reflects local home prices relative to the conforming loan limit set by the FHFA.
If you are buying a two-to-four unit property in St. Charles County, FHA limits are higher — $692,997 for a duplex and up to $1,041,072 for a fourplex — and you can use FHA financing to "house-hack" by living in one unit and renting the others.
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Frequently Asked Questions
- What is the FHA loan limit in St. Charles County for 2026?
- The 2026 FHA loan limit in St. Charles County, Louisiana is $541,287 for a one-unit home, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- How much down payment do I need for an FHA loan in St. Charles County?
- FHA requires a minimum 3.5% down payment with a credit score of 580 or higher. On a $225,000 home that is about $7,875.
- Is St. Charles County a high-cost FHA area?
- No. St. Charles County uses the standard national FHA floor of $541,287 for a one-unit home.