FHA Loan Limits in Worcester County, Massachusetts (2026)
Buying in Worcester County or elsewhere in Worcester County? The 2026 FHA single-family limit across the county is $828,000. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $828,000 |
| Two-unit (duplex) | $1,060,069 |
| Three-unit (triplex) | $1,281,449 |
| Four-unit (fourplex) | $1,592,514 |
These 2026 limits apply throughout Worcester County, from Worcester County outward, and sit alongside the limits set for neighboring Middlesex and Norfolk Counties.
FHA affordability around Worcester County
With Worcester County's median sale price estimated near $440,000 (think Worcester County), the FHA down payment is roughly $15,400. Factoring Massachusetts property taxes near 1.14%, expect about $3,389 monthly, pointing to income near $131,000 — above Massachusetts's $96,505 median household income, so budget carefully.
FHA payment scenarios in Worcester County
Here is what an FHA payment looks like at three Worcester County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $317,000 | $11,095 | $2,474 |
| Local median — $440,000 | $15,400 | $3,389 |
| At the FHA limit — $828,000 | $28,980 | $6,275 |
Estimates include FHA MIP plus Massachusetts property taxes and insurance. Rates move daily near Worcester County too — get notified.
In Worcester County and the surrounding Worcester County market, FHA's appeal is the math: $15,400 down on a $440,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Worcester County
Looking at a duplex or fourplex near Worcester County? FHA allows up to $1,060,069 on two units and $1,592,514 on four in Worcester 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 Worcester County for 2026?
- In Worcester County (Worcester County), the 2026 FHA limit is $828,000 for one unit, $1,060,069 for a duplex, $1,281,449 for a triplex, and $1,592,514 for a fourplex.
- What income do I need to buy in Worcester County with FHA?
- For a median-priced ($440,000) Worcester County home, plan on income around $131,000 at a 31% housing ratio — about $3,389/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Worcester County?
- 3.5% with a 580+ score — roughly $15,400 on a $440,000 Worcester County-area home. Gift funds are allowed.
- Is Worcester County a high-cost FHA area?
- Yes — Worcester County's $828,000 one-unit limit tops the $541,287 national floor.