FHA Loan Limits in Midland County, Michigan (2026)
From Midland County, FHA buyers in Midland 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 |
From Midland County to the edges of Midland County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Wayne and Oakland Counties.
What can you buy with FHA in Midland County?
An FHA buyer near Midland County faces an estimated $213,000 median, a $7,455 down payment, and — after Michigan's 1.38% property tax — a monthly cost around $1,744. That suits household income of roughly $67,000, under Michigan's $68,505 median household income.
FHA payment scenarios in Midland County
Here is what an FHA payment looks like at three Midland County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $153,000 | $5,355 | $1,285 |
| Local median — $213,000 | $7,455 | $1,744 |
| At the FHA limit — $541,287 | $18,945 | $4,251 |
Estimates include FHA MIP plus Michigan property taxes and insurance. Rates move daily near Midland County too — get notified.
First-time buyers make up much of FHA activity in Midland County and across Midland County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $7,455 needed on a median Midland County home.
Multi-unit FHA limits in Midland County
Looking at a duplex or fourplex near Midland County? FHA allows up to $692,997 on two units and $1,041,072 on four in Midland 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 Midland County for 2026?
- In Midland County (Midland 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 Midland County with FHA?
- For a median-priced ($213,000) Midland County home, plan on income around $67,000 at a 31% housing ratio — about $1,744/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Midland County?
- 3.5% with a 580+ score — roughly $7,455 on a $213,000 Midland County-area home. Gift funds are allowed.
- Is Midland County a high-cost FHA area?
- No — Midland County uses the $541,287 national floor for one unit.