FHA Loan Limits in Middlesex County, Massachusetts (2026)
Middlesex County and the rest of Middlesex County, Massachusetts fall under a 2026 one-unit FHA limit of $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
These 2026 limits apply throughout Middlesex County, from Middlesex County outward, and sit alongside the limits set for neighboring Norfolk and Worcester Counties.
How much home can you afford in Middlesex County?
An FHA buyer near Middlesex County faces an estimated $720,000 median, a $25,200 down payment, and — after Massachusetts's 1.14% property tax — a monthly cost around $5,472. That suits household income of roughly $212,000, above Massachusetts's $96,505 median household income, so budget carefully.
FHA payment scenarios in Middlesex County
FHA payments across Middlesex County price points — from entry homes near Middlesex County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $518,000 | $18,130 | $3,970 |
| Local median — $720,000 | $25,200 | $5,472 |
| At the FHA limit — $1,249,125 | $43,719 | $9,408 |
Estimates include FHA MIP plus Massachusetts property taxes and insurance. Rates move daily near Middlesex County too — get notified.
In Middlesex County and the surrounding Middlesex County market, FHA's appeal is the math: $25,200 down on a $720,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Middlesex County
Middlesex County's 2026 multi-unit FHA limits reach $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex) — so a buyer in Middlesex 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 Middlesex County for 2026?
- In Middlesex County (Middlesex County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Middlesex County with FHA?
- For a median-priced ($720,000) Middlesex County home, plan on income around $212,000 at a 31% housing ratio — about $5,472/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Middlesex County?
- 3.5% with a 580+ score — roughly $25,200 on a $720,000 Middlesex County-area home. Gift funds are allowed.
- Is Middlesex County a high-cost FHA area?
- Yes — Middlesex County's $1,249,125 one-unit limit tops the $541,287 national floor.