FHA Loan Limits in St. Martin County, Louisiana (2026)
From St. Martin County, FHA buyers in St. Martin County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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. Martin County to the edges of St. Martin County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby East Baton Rouge and Jefferson Counties.
What can you buy with FHA in St. Martin County?
An FHA buyer near St. Martin County faces an estimated $189,000 median, a $6,615 down payment, and — after Louisiana's 0.56% property tax — a monthly cost around $1,431. That suits household income of roughly $55,000, under Louisiana's $57,852 median household income.
FHA payment scenarios in St. Martin County
Whether you are buying in St. Martin County or a smaller St. Martin County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $136,000 | $4,760 | $1,062 |
| Local median — $189,000 | $6,615 | $1,431 |
| 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. Martin County too — get notified.
First-time buyers make up much of FHA activity in St. Martin County and across St. Martin County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $6,615 needed on a median St. Martin County home.
Multi-unit FHA limits in St. Martin County
Investors and house-hackers in St. Martin County and across St. Martin County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in St. Martin County for 2026?
- In St. Martin County (St. Martin 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. Martin County with FHA?
- For a median-priced ($189,000) St. Martin County home, plan on income around $55,000 at a 31% housing ratio — about $1,431/month including taxes, insurance, and MIP.
- How much is the FHA down payment in St. Martin County?
- 3.5% with a 580+ score — roughly $6,615 on a $189,000 St. Martin County-area home. Gift funds are allowed.
- Is St. Martin County a high-cost FHA area?
- No — St. Martin County uses the $541,287 national floor for one unit.