FHA Loan Limits in Nantucket County, Massachusetts (2026)
From Nantucket County, FHA buyers in Nantucket 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 |
From Nantucket County to the edges of Nantucket County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Middlesex and Norfolk Counties.
What can you buy with FHA in Nantucket County?
Homes around Nantucket County carry an estimated local median near $643,000, so an FHA buyer in Nantucket 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 Nantucket County
Whether you are buying in Nantucket County or a smaller Nantucket 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 — $463,000 | $16,205 | $3,560 |
| 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 Nantucket County too — get notified.
First-time buyers make up much of FHA activity in Nantucket County and across Nantucket County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,945 needed on a median Nantucket County home.
Multi-unit FHA limits in Nantucket County
Investors and house-hackers in Nantucket County and across Nantucket 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 Nantucket County for 2026?
- In Nantucket County (Nantucket 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 Nantucket County with FHA?
- For a median-priced ($541,287) Nantucket 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 Nantucket County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Nantucket County-area home. Gift funds are allowed.
- Is Nantucket County a high-cost FHA area?
- No — Nantucket County uses the $541,287 national floor for one unit.