FHA Loan Limits in Knox County, Maine (2026)
In Knox County — anchored by Knox County — the 2026 FHA loan limit for a single-family home is $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 Knox County to the edges of Knox County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Cumberland and York Counties.
Affording a home in Knox County & Knox County
An FHA buyer near Knox County faces an estimated $373,000 median, a $13,055 down payment, and — after Maine's 1.24% property tax — a monthly cost around $2,922. That suits household income of roughly $113,000, above Maine's $71,773 median household income, so budget carefully.
FHA payment scenarios in Knox County
FHA payments across Knox County price points — from entry homes near Knox County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $269,000 | $9,415 | $2,140 |
| Local median — $373,000 | $13,055 | $2,922 |
| At the FHA limit — $541,287 | $18,945 | $4,188 |
Estimates include FHA MIP plus Maine property taxes and insurance. Rates move daily near Knox County too — get notified.
First-time buyers make up much of FHA activity in Knox County and across Knox County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,055 needed on a median Knox County home.
Multi-unit FHA limits in Knox County
Knox County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Knox 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 Knox County for 2026?
- In Knox County (Knox 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 Knox County with FHA?
- For a median-priced ($373,000) Knox County home, plan on income around $113,000 at a 31% housing ratio — about $2,922/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Knox County?
- 3.5% with a 580+ score — roughly $13,055 on a $373,000 Knox County-area home. Gift funds are allowed.
- Is Knox County a high-cost FHA area?
- No — Knox County uses the $541,287 national floor for one unit.