FHA Loan Limits in Terrebonne County, Louisiana (2026)
Terrebonne County and the rest of Terrebonne County, Louisiana fall under a 2026 one-unit FHA limit of $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 |
These 2026 limits apply throughout Terrebonne County, from Terrebonne County outward, and sit alongside the limits set for neighboring East Baton Rouge and Jefferson Counties.
How much home can you afford in Terrebonne County?
With Terrebonne County's median sale price estimated near $193,000 (think Terrebonne County), the FHA down payment is roughly $6,755. Factoring Louisiana property taxes near 0.56%, expect about $1,459 monthly, pointing to income near $56,000 — under Louisiana's $57,852 median household income.
FHA payment scenarios in Terrebonne County
Here is what an FHA payment looks like at three Terrebonne County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $139,000 | $4,865 | $1,083 |
| Local median — $193,000 | $6,755 | $1,459 |
| At the FHA limit — $541,287 | $18,945 | $3,881 |
Estimates include FHA MIP plus Louisiana property taxes and insurance. Rates move daily near Terrebonne County too — get notified.
In Terrebonne County and the surrounding Terrebonne County market, FHA's appeal is the math: $6,755 down on a $193,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Terrebonne County
Looking at a duplex or fourplex near Terrebonne County? FHA allows up to $692,997 on two units and $1,041,072 on four in Terrebonne County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Terrebonne County for 2026?
- In Terrebonne County (Terrebonne 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 Terrebonne County with FHA?
- For a median-priced ($193,000) Terrebonne County home, plan on income around $56,000 at a 31% housing ratio — about $1,459/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Terrebonne County?
- 3.5% with a 580+ score — roughly $6,755 on a $193,000 Terrebonne County-area home. Gift funds are allowed.
- Is Terrebonne County a high-cost FHA area?
- No — Terrebonne County uses the $541,287 national floor for one unit.