FHA Loan Limits in Norfolk County, Massachusetts (2026)
Norfolk County and the rest of Norfolk 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 Norfolk County, from Norfolk County outward, and sit alongside the limits set for neighboring Middlesex and Worcester Counties.
How much home can you afford in Norfolk County?
An FHA buyer near Norfolk County faces an estimated $650,000 median, a $22,750 down payment, and — after Massachusetts's 1.14% property tax — a monthly cost around $4,951. That suits household income of roughly $192,000, above Massachusetts's $96,505 median household income, so budget carefully.
FHA payment scenarios in Norfolk County
Here is what an FHA payment looks like at three Norfolk County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $468,000 | $16,380 | $3,598 |
| Local median — $650,000 | $22,750 | $4,951 |
| 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 Norfolk County too — get notified.
In Norfolk County and the surrounding Norfolk County market, FHA's appeal is the math: $22,750 down on a $650,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Norfolk County
Looking at a duplex or fourplex near Norfolk County? FHA allows up to $1,599,225 on two units and $2,402,475 on four in Norfolk 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 Norfolk County for 2026?
- In Norfolk County (Norfolk 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 Norfolk County with FHA?
- For a median-priced ($650,000) Norfolk County home, plan on income around $192,000 at a 31% housing ratio — about $4,951/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Norfolk County?
- 3.5% with a 580+ score — roughly $22,750 on a $650,000 Norfolk County-area home. Gift funds are allowed.
- Is Norfolk County a high-cost FHA area?
- Yes — Norfolk County's $1,249,125 one-unit limit tops the $541,287 national floor.