FHA Loan Limits in Franklin County, Massachusetts (2026)
From Franklin County, FHA buyers in Franklin 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 |
These 2026 limits apply throughout Franklin County, from Franklin County outward, and sit alongside the limits set for neighboring Middlesex and Norfolk Counties.
What can you buy with FHA in Franklin County?
Homes around Franklin County carry an estimated local median near $655,000, so an FHA buyer in Franklin 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 Franklin County
Whether you are buying in Franklin County or a smaller Franklin 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 — $472,000 | $16,520 | $3,627 |
| 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 Franklin County too — get notified.
In Franklin County and the surrounding Franklin County market, FHA's appeal is the math: $18,945 down on a $541,287 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Franklin County
Investors and house-hackers in Franklin County and across Franklin 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 Franklin County for 2026?
- In Franklin County (Franklin 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 Franklin County with FHA?
- For a median-priced ($541,287) Franklin 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 Franklin County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Franklin County-area home. Gift funds are allowed.
- Is Franklin County a high-cost FHA area?
- No — Franklin County uses the $541,287 national floor for one unit.