FHA Loan Limits in Kent County, Maryland (2026)
From Kent County, FHA buyers in Kent 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 the Mid-Atlantic.
| 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 Kent County, from Kent County outward, and sit alongside the limits set for neighboring Montgomery and Prince Georges Counties.
What can you buy with FHA in Kent County?
Homes around Kent County carry an estimated local median near $432,000, so an FHA buyer in Kent County puts down about $15,120 (3.5%). With Maryland's 1.07% effective property-tax rate, the all-in payment runs near $3,305 a month — comfortable on household income around $128,000, above Maryland's $98,461 median household income, so budget carefully.
FHA payment scenarios in Kent County
FHA payments across Kent County price points — from entry homes near Kent County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $311,000 | $10,885 | $2,412 |
| Local median — $432,000 | $15,120 | $3,305 |
| At the FHA limit — $541,287 | $18,945 | $4,111 |
Estimates include FHA MIP plus Maryland property taxes and insurance. Rates move daily near Kent County too — get notified.
In Kent County and the surrounding Kent County market, FHA's appeal is the math: $15,120 down on a $432,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Kent County
Kent County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Kent 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 Kent County for 2026?
- In Kent County (Kent 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 Kent County with FHA?
- For a median-priced ($432,000) Kent County home, plan on income around $128,000 at a 31% housing ratio — about $3,305/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kent County?
- 3.5% with a 580+ score — roughly $15,120 on a $432,000 Kent County-area home. Gift funds are allowed.
- Is Kent County a high-cost FHA area?
- No — Kent County uses the $541,287 national floor for one unit.