FHA Loan Limits in York County, Maine (2026)
From York County, FHA buyers in York County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 |
Every community in York County — York County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Cumberland and Penobscot Counties.
What can you buy with FHA in York County?
With York County's median sale price estimated near $411,000 (think York County), the FHA down payment is roughly $14,385. Factoring Maine property taxes near 1.24%, expect about $3,208 monthly, pointing to income near $124,000 — above Maine's $71,773 median household income, so budget carefully.
FHA payment scenarios in York County
Whether you are buying in York County or a smaller York 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 — $296,000 | $10,360 | $2,343 |
| Local median — $411,000 | $14,385 | $3,208 |
| At the FHA limit — $541,287 | $18,945 | $4,188 |
Estimates include FHA MIP plus Maine property taxes and insurance. Rates move daily near York County too — get notified.
Buyers across York County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $14,385 down payment near York County into little out of pocket.
Multi-unit FHA limits in York County
Investors and house-hackers in York County and across York 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 York County for 2026?
- In York County (York 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 York County with FHA?
- For a median-priced ($411,000) York County home, plan on income around $124,000 at a 31% housing ratio — about $3,208/month including taxes, insurance, and MIP.
- How much is the FHA down payment in York County?
- 3.5% with a 580+ score — roughly $14,385 on a $411,000 York County-area home. Gift funds are allowed.
- Is York County a high-cost FHA area?
- No — York County uses the $541,287 national floor for one unit.