FHA Loan Limits in Bristol County, Massachusetts (2026)
From Bristol County, FHA buyers in Bristol 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 Bristol County — Bristol County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Middlesex and Norfolk Counties.
What can you buy with FHA in Bristol County?
Homes around Bristol County carry an estimated local median near $470,000, so an FHA buyer in Bristol County puts down about $16,450 (3.5%). With Massachusetts's 1.14% effective property-tax rate, the all-in payment runs near $3,612 a month — comfortable on household income around $140,000, above Massachusetts's $96,505 median household income, so budget carefully.
FHA payment scenarios in Bristol County
FHA payments across Bristol County price points — from entry homes near Bristol County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $338,000 | $11,830 | $2,631 |
| Local median — $470,000 | $16,450 | $3,612 |
| At the FHA limit — $541,287 | $18,945 | $4,143 |
Estimates include FHA MIP plus Massachusetts property taxes and insurance. Rates move daily near Bristol County too — get notified.
Buyers across Bristol County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $16,450 down payment near Bristol County into little out of pocket.
Multi-unit FHA limits in Bristol County
Bristol County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Bristol 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 Bristol County for 2026?
- In Bristol County (Bristol 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 Bristol County with FHA?
- For a median-priced ($470,000) Bristol County home, plan on income around $140,000 at a 31% housing ratio — about $3,612/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bristol County?
- 3.5% with a 580+ score — roughly $16,450 on a $470,000 Bristol County-area home. Gift funds are allowed.
- Is Bristol County a high-cost FHA area?
- No — Bristol County uses the $541,287 national floor for one unit.