FHA Loan Limits in Barnstable County, Massachusetts (2026)
Buying in Barnstable County or elsewhere in Barnstable County? The 2026 FHA single-family limit across the county 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 |
Every community in Barnstable County — Barnstable County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Middlesex and Norfolk Counties.
FHA affordability around Barnstable County
Homes around Barnstable County carry an estimated local median near $672,000, so an FHA buyer in Barnstable County puts down about $18,945 (3.5%). With Massachusetts's 1.14% effective property-tax rate, the all-in payment runs near $4,143 a month — comfortable on household income around $160,000, above Massachusetts's $96,505 median household income, so budget carefully.
FHA payment scenarios in Barnstable County
FHA payments across Barnstable County price points — from entry homes near Barnstable County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $484,000 | $16,940 | $3,717 |
| Local median — $541,287 | $18,945 | $4,143 |
| At the FHA limit — $541,287 | $18,945 | $4,143 |
Estimates include FHA MIP plus Massachusetts property taxes and insurance. Rates move daily near Barnstable County too — get notified.
Buyers across Barnstable County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,945 down payment near Barnstable County into little out of pocket.
Multi-unit FHA limits in Barnstable County
Barnstable County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Barnstable 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 Barnstable County for 2026?
- In Barnstable County (Barnstable 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 Barnstable County with FHA?
- For a median-priced ($541,287) Barnstable County home, plan on income around $160,000 at a 31% housing ratio — about $4,143/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Barnstable County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Barnstable County-area home. Gift funds are allowed.
- Is Barnstable County a high-cost FHA area?
- No — Barnstable County uses the $541,287 national floor for one unit.