FHA Loan Limits in Aroostook County, Maine (2026)
Aroostook County and the rest of Aroostook County, Maine fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of New England.
| 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 Aroostook County to the edges of Aroostook County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Cumberland and York Counties.
How much home can you afford in Aroostook County?
With Aroostook County's median sale price estimated near $453,000 (think Aroostook County), the FHA down payment is roughly $15,855. Factoring Maine property taxes near 1.24%, expect about $3,524 monthly, pointing to income near $136,000 — above Maine's $71,773 median household income, so budget carefully.
FHA payment scenarios in Aroostook County
Here is what an FHA payment looks like at three Aroostook County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $326,000 | $11,410 | $2,569 |
| Local median — $453,000 | $15,855 | $3,524 |
| At the FHA limit — $541,287 | $18,945 | $4,188 |
Estimates include FHA MIP plus Maine property taxes and insurance. Rates move daily near Aroostook County too — get notified.
First-time buyers make up much of FHA activity in Aroostook County and across Aroostook County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $15,855 needed on a median Aroostook County home.
Multi-unit FHA limits in Aroostook County
Looking at a duplex or fourplex near Aroostook County? FHA allows up to $692,997 on two units and $1,041,072 on four in Aroostook 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 Aroostook County for 2026?
- In Aroostook County (Aroostook 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 Aroostook County with FHA?
- For a median-priced ($453,000) Aroostook County home, plan on income around $136,000 at a 31% housing ratio — about $3,524/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Aroostook County?
- 3.5% with a 580+ score — roughly $15,855 on a $453,000 Aroostook County-area home. Gift funds are allowed.
- Is Aroostook County a high-cost FHA area?
- No — Aroostook County uses the $541,287 national floor for one unit.