FHA Loan Limits in Kent County, Michigan (2026)
In Kent County — anchored by Kent County — the 2026 FHA loan limit for a single-family home 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 Kent County to the edges of Kent County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Wayne and Oakland Counties.
Affording a home in Kent County & Kent County
An FHA buyer near Kent County faces an estimated $330,000 median, a $11,550 down payment, and — after Michigan's 1.38% property tax — a monthly cost around $2,637. That suits household income of roughly $102,000, above Michigan's $68,505 median household income, so budget carefully.
FHA payment scenarios in Kent County
Whether you are buying in Kent County or a smaller Kent 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 — $238,000 | $8,330 | $1,934 |
| Local median — $330,000 | $11,550 | $2,637 |
| At the FHA limit — $541,287 | $18,945 | $4,251 |
Estimates include FHA MIP plus Michigan property taxes and insurance. Rates move daily near Kent County too — get notified.
First-time buyers make up much of FHA activity in Kent County and across Kent County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $11,550 needed on a median Kent County home.
Multi-unit FHA limits in Kent County
Investors and house-hackers in Kent County and across Kent County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Kent County for 2026?
- In Kent County (Kent 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 Kent County with FHA?
- For a median-priced ($330,000) Kent County home, plan on income around $102,000 at a 31% housing ratio — about $2,637/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kent County?
- 3.5% with a 580+ score — roughly $11,550 on a $330,000 Kent County-area home. Gift funds are allowed.
- Is Kent County a high-cost FHA area?
- No — Kent County uses the $541,287 national floor for one unit.