FHA Loan Limits in Lenawee County, Michigan (2026)
From Lenawee County, FHA buyers in Lenawee County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 |
These 2026 limits apply throughout Lenawee County, from Lenawee County outward, and sit alongside the limits set for neighboring Wayne and Oakland Counties.
What can you buy with FHA in Lenawee County?
An FHA buyer near Lenawee County faces an estimated $272,000 median, a $9,520 down payment, and — after Michigan's 1.38% property tax — a monthly cost around $2,194. That suits household income of roughly $85,000, above Michigan's $68,505 median household income, so budget carefully.
FHA payment scenarios in Lenawee County
FHA payments across Lenawee County price points — from entry homes near Lenawee County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $196,000 | $6,860 | $1,614 |
| Local median — $272,000 | $9,520 | $2,194 |
| At the FHA limit — $541,287 | $18,945 | $4,251 |
Estimates include FHA MIP plus Michigan property taxes and insurance. Rates move daily near Lenawee County too — get notified.
In Lenawee County and the surrounding Lenawee County market, FHA's appeal is the math: $9,520 down on a $272,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Lenawee County
Lenawee County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Lenawee County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Lenawee County for 2026?
- In Lenawee County (Lenawee 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 Lenawee County with FHA?
- For a median-priced ($272,000) Lenawee County home, plan on income around $85,000 at a 31% housing ratio — about $2,194/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lenawee County?
- 3.5% with a 580+ score — roughly $9,520 on a $272,000 Lenawee County-area home. Gift funds are allowed.
- Is Lenawee County a high-cost FHA area?
- No — Lenawee County uses the $541,287 national floor for one unit.