FHA Loan Limits in Dukes County, Massachusetts (2026)
In Dukes County — anchored by Dukes 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 |
Every community in Dukes County — Dukes County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Middlesex and Norfolk Counties.
Affording a home in Dukes County & Dukes County
Homes around Dukes County carry an estimated local median near $518,000, so an FHA buyer in Dukes County puts down about $18,130 (3.5%). With Massachusetts's 1.14% effective property-tax rate, the all-in payment runs near $3,970 a month — comfortable on household income around $154,000, above Massachusetts's $96,505 median household income, so budget carefully.
FHA payment scenarios in Dukes County
Here is what an FHA payment looks like at three Dukes County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $373,000 | $13,055 | $2,891 |
| Local median — $518,000 | $18,130 | $3,970 |
| At the FHA limit — $541,287 | $18,945 | $4,143 |
Estimates include FHA MIP plus Massachusetts property taxes and insurance. Rates move daily near Dukes County too — get notified.
Buyers across Dukes County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,130 down payment near Dukes County into little out of pocket.
Multi-unit FHA limits in Dukes County
Looking at a duplex or fourplex near Dukes County? FHA allows up to $692,997 on two units and $1,041,072 on four in Dukes County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Dukes County for 2026?
- In Dukes County (Dukes 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 Dukes County with FHA?
- For a median-priced ($518,000) Dukes County home, plan on income around $154,000 at a 31% housing ratio — about $3,970/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Dukes County?
- 3.5% with a 580+ score — roughly $18,130 on a $518,000 Dukes County-area home. Gift funds are allowed.
- Is Dukes County a high-cost FHA area?
- No — Dukes County uses the $541,287 national floor for one unit.