FHA Loan Limits in Suffolk County, Massachusetts (2026)
In Suffolk County — anchored by Suffolk County — the 2026 FHA loan limit for a single-family home 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 Suffolk County — Suffolk County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Middlesex and Norfolk Counties.
Affording a home in Suffolk County & Suffolk County
Homes around Suffolk County carry an estimated local median near $750,000, so an FHA buyer in Suffolk County puts down about $26,250 (3.5%). With Massachusetts's 1.14% effective property-tax rate, the all-in payment runs near $5,695 a month — comfortable on household income around $220,000, above Massachusetts's $96,505 median household income, so budget carefully.
FHA payment scenarios in Suffolk County
Here is what an FHA payment looks like at three Suffolk County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $540,000 | $18,900 | $4,133 |
| Local median — $750,000 | $26,250 | $5,695 |
| 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 Suffolk County too — get notified.
Buyers across Suffolk County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $26,250 down payment near Suffolk County into little out of pocket.
Multi-unit FHA limits in Suffolk County
Looking at a duplex or fourplex near Suffolk County? FHA allows up to $1,599,225 on two units and $2,402,475 on four in Suffolk County, with the same low 3.5% down for owner-occupants.
Get FHA Rate & Program Alerts
Join the free FHA Notification Program — we watch rates, requirements, and new programs so you do not have to.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Suffolk County for 2026?
- In Suffolk County (Suffolk 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 Suffolk County with FHA?
- For a median-priced ($750,000) Suffolk County home, plan on income around $220,000 at a 31% housing ratio — about $5,695/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Suffolk County?
- 3.5% with a 580+ score — roughly $26,250 on a $750,000 Suffolk County-area home. Gift funds are allowed.
- Is Suffolk County a high-cost FHA area?
- Yes — Suffolk County's $1,249,125 one-unit limit tops the $541,287 national floor.