FHA Loan Limits in Oxford County, Maine (2026)
In Oxford County — anchored by Oxford 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 |
These 2026 limits apply throughout Oxford County, from Oxford County outward, and sit alongside the limits set for neighboring Cumberland and York Counties.
Affording a home in Oxford County & Oxford County
With Oxford County's median sale price estimated near $407,000 (think Oxford County), the FHA down payment is roughly $14,245. Factoring Maine property taxes near 1.24%, expect about $3,178 monthly, pointing to income near $123,000 — above Maine's $71,773 median household income, so budget carefully.
FHA payment scenarios in Oxford County
Whether you are buying in Oxford County or a smaller Oxford 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 — $293,000 | $10,255 | $2,320 |
| Local median — $407,000 | $14,245 | $3,178 |
| At the FHA limit — $541,287 | $18,945 | $4,188 |
Estimates include FHA MIP plus Maine property taxes and insurance. Rates move daily near Oxford County too — get notified.
In Oxford County and the surrounding Oxford County market, FHA's appeal is the math: $14,245 down on a $407,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Oxford County
Investors and house-hackers in Oxford County and across Oxford 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 Oxford County for 2026?
- In Oxford County (Oxford 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 Oxford County with FHA?
- For a median-priced ($407,000) Oxford County home, plan on income around $123,000 at a 31% housing ratio — about $3,178/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Oxford County?
- 3.5% with a 580+ score — roughly $14,245 on a $407,000 Oxford County-area home. Gift funds are allowed.
- Is Oxford County a high-cost FHA area?
- No — Oxford County uses the $541,287 national floor for one unit.