FHA Loan Limits in Livingston County, Michigan (2026)
Livingston County and the rest of Livingston County, Michigan fall under a 2026 one-unit FHA limit of $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 |
These 2026 limits apply throughout Livingston County, from Livingston County outward, and sit alongside the limits set for neighboring Wayne and Oakland Counties.
How much home can you afford in Livingston County?
Homes around Livingston County carry an estimated local median near $287,000, so an FHA buyer in Livingston County puts down about $10,045 (3.5%). With Michigan's 1.38% effective property-tax rate, the all-in payment runs near $2,309 a month — comfortable on household income around $89,000, above Michigan's $68,505 median household income, so budget carefully.
FHA payment scenarios in Livingston County
Whether you are buying in Livingston County or a smaller Livingston 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 — $207,000 | $7,245 | $1,698 |
| Local median — $287,000 | $10,045 | $2,309 |
| At the FHA limit — $541,287 | $18,945 | $4,251 |
Estimates include FHA MIP plus Michigan property taxes and insurance. Rates move daily near Livingston County too — get notified.
In Livingston County and the surrounding Livingston County market, FHA's appeal is the math: $10,045 down on a $287,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Livingston County
Investors and house-hackers in Livingston County and across Livingston 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 Livingston County for 2026?
- In Livingston County (Livingston 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 Livingston County with FHA?
- For a median-priced ($287,000) Livingston County home, plan on income around $89,000 at a 31% housing ratio — about $2,309/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Livingston County?
- 3.5% with a 580+ score — roughly $10,045 on a $287,000 Livingston County-area home. Gift funds are allowed.
- Is Livingston County a high-cost FHA area?
- No — Livingston County uses the $541,287 national floor for one unit.