FHA Loan Limits in Genesee County, Michigan (2026)
Buying in Genesee County or elsewhere in Genesee County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Midwest.
| 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 Genesee County to the edges of Genesee County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Wayne and Oakland Counties.
FHA affordability around Genesee County
An FHA buyer near Genesee County faces an estimated $165,000 median, a $5,775 down payment, and — after Michigan's 1.38% property tax — a monthly cost around $1,377. That suits household income of roughly $53,000, under Michigan's $68,505 median household income.
FHA payment scenarios in Genesee County
FHA payments across Genesee County price points — from entry homes near Genesee County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $119,000 | $4,165 | $1,026 |
| Local median — $165,000 | $5,775 | $1,377 |
| At the FHA limit — $541,287 | $18,945 | $4,251 |
Estimates include FHA MIP plus Michigan property taxes and insurance. Rates move daily near Genesee County too — get notified.
First-time buyers make up much of FHA activity in Genesee County and across Genesee County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $5,775 needed on a median Genesee County home.
Multi-unit FHA limits in Genesee County
Genesee County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Genesee County can live in one unit and rent the rest to offset the mortgage.
Be First to Know When FHA Rates Move
We track HUD and FHA so you can move at the right moment — free, no pressure.
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 Genesee County for 2026?
- In Genesee County (Genesee 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 Genesee County with FHA?
- For a median-priced ($165,000) Genesee County home, plan on income around $53,000 at a 31% housing ratio — about $1,377/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Genesee County?
- 3.5% with a 580+ score — roughly $5,775 on a $165,000 Genesee County-area home. Gift funds are allowed.
- Is Genesee County a high-cost FHA area?
- No — Genesee County uses the $541,287 national floor for one unit.