FHA Loan Limits in Hampshire County, Massachusetts (2026)
From Hampshire County, FHA buyers in Hampshire 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 Hampshire County, from Hampshire County outward, and sit alongside the limits set for neighboring Middlesex and Norfolk Counties.
What can you buy with FHA in Hampshire County?
An FHA buyer near Hampshire County faces an estimated $554,000 median, a $18,945 down payment, and — after Massachusetts's 1.14% property tax — a monthly cost around $4,143. That suits household income of roughly $160,000, above Massachusetts's $96,505 median household income, so budget carefully.
FHA payment scenarios in Hampshire County
Here is what an FHA payment looks like at three Hampshire County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $399,000 | $13,965 | $3,084 |
| 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 Hampshire County too — get notified.
In Hampshire County and the surrounding Hampshire 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 Hampshire County
Looking at a duplex or fourplex near Hampshire County? FHA allows up to $692,997 on two units and $1,041,072 on four in Hampshire 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 Hampshire County for 2026?
- In Hampshire County (Hampshire 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 Hampshire County with FHA?
- For a median-priced ($541,287) Hampshire 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 Hampshire County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Hampshire County-area home. Gift funds are allowed.
- Is Hampshire County a high-cost FHA area?
- No — Hampshire County uses the $541,287 national floor for one unit.