FHA Loan Limits in Hancock County, Maine (2026)
Hancock County and the rest of Hancock 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 Hancock County to the edges of Hancock 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 Hancock County?
With Hancock County's median sale price estimated near $381,000 (think Hancock County), the FHA down payment is roughly $13,335. Factoring Maine property taxes near 1.24%, expect about $2,982 monthly, pointing to income near $115,000 — above Maine's $71,773 median household income, so budget carefully.
FHA payment scenarios in Hancock County
FHA payments across Hancock County price points — from entry homes near Hancock County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $274,000 | $9,590 | $2,177 |
| Local median — $381,000 | $13,335 | $2,982 |
| At the FHA limit — $541,287 | $18,945 | $4,188 |
Estimates include FHA MIP plus Maine property taxes and insurance. Rates move daily near Hancock County too — get notified.
First-time buyers make up much of FHA activity in Hancock County and across Hancock County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,335 needed on a median Hancock County home.
Multi-unit FHA limits in Hancock County
Hancock County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Hancock 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 Hancock County for 2026?
- In Hancock County (Hancock 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 Hancock County with FHA?
- For a median-priced ($381,000) Hancock County home, plan on income around $115,000 at a 31% housing ratio — about $2,982/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Hancock County?
- 3.5% with a 580+ score — roughly $13,335 on a $381,000 Hancock County-area home. Gift funds are allowed.
- Is Hancock County a high-cost FHA area?
- No — Hancock County uses the $541,287 national floor for one unit.