FHA Loan Limits in St. Landry County, Louisiana (2026)
Buying in St. Landry County or elsewhere in St. Landry County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the South.
| 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 |
From St. Landry County to the edges of St. Landry County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby East Baton Rouge and Jefferson Counties.
FHA affordability around St. Landry County
With St. Landry County's median sale price estimated near $233,000 (think St. Landry County), the FHA down payment is roughly $8,155. Factoring Louisiana property taxes near 0.56%, expect about $1,737 monthly, pointing to income near $67,000 — above Louisiana's $57,852 median household income, so budget carefully.
FHA payment scenarios in St. Landry County
FHA payments across St. Landry County price points — from entry homes near St. Landry County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $168,000 | $5,880 | $1,285 |
| Local median — $233,000 | $8,155 | $1,737 |
| At the FHA limit — $541,287 | $18,945 | $3,881 |
Estimates include FHA MIP plus Louisiana property taxes and insurance. Rates move daily near St. Landry County too — get notified.
First-time buyers make up much of FHA activity in St. Landry County and across St. Landry County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,155 needed on a median St. Landry County home.
Multi-unit FHA limits in St. Landry County
St. Landry County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in St. Landry County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in St. Landry County for 2026?
- In St. Landry County (St. Landry County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in St. Landry County with FHA?
- For a median-priced ($233,000) St. Landry County home, plan on income around $67,000 at a 31% housing ratio — about $1,737/month including taxes, insurance, and MIP.
- How much is the FHA down payment in St. Landry County?
- 3.5% with a 580+ score — roughly $8,155 on a $233,000 St. Landry County-area home. Gift funds are allowed.
- Is St. Landry County a high-cost FHA area?
- No — St. Landry County uses the $541,287 national floor for one unit.