FHA Loan Limits in Plymouth County, Massachusetts (2026)
Buying in Plymouth County or elsewhere in Plymouth County? The 2026 FHA single-family limit across the county is $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 |
Every community in Plymouth County — Plymouth County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Middlesex and Norfolk Counties.
FHA affordability around Plymouth County
With Plymouth County's median sale price estimated near $560,000 (think Plymouth County), the FHA down payment is roughly $19,600. Factoring Massachusetts property taxes near 1.14%, expect about $4,282 monthly, pointing to income near $166,000 — above Massachusetts's $96,505 median household income, so budget carefully.
FHA payment scenarios in Plymouth County
Whether you are buying in Plymouth County or a smaller Plymouth 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 — $403,000 | $14,105 | $3,114 |
| Local median — $560,000 | $19,600 | $4,282 |
| 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 Plymouth County too — get notified.
Buyers across Plymouth County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $19,600 down payment near Plymouth County into little out of pocket.
Multi-unit FHA limits in Plymouth County
Investors and house-hackers in Plymouth County and across Plymouth County can finance 2-4 unit homes with FHA at just 3.5% down: $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Plymouth County for 2026?
- In Plymouth County (Plymouth 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 Plymouth County with FHA?
- For a median-priced ($560,000) Plymouth County home, plan on income around $166,000 at a 31% housing ratio — about $4,282/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Plymouth County?
- 3.5% with a 580+ score — roughly $19,600 on a $560,000 Plymouth County-area home. Gift funds are allowed.
- Is Plymouth County a high-cost FHA area?
- Yes — Plymouth County's $1,249,125 one-unit limit tops the $541,287 national floor.