FHA Loan Limits in Shiawassee County, Michigan (2026)
From Shiawassee County, FHA buyers in Shiawassee 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 |
Every community in Shiawassee County — Shiawassee County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Wayne and Oakland Counties.
What can you buy with FHA in Shiawassee County?
Homes around Shiawassee County carry an estimated local median near $270,000, so an FHA buyer in Shiawassee County puts down about $9,450 (3.5%). With Michigan's 1.38% effective property-tax rate, the all-in payment runs near $2,179 a month — comfortable on household income around $84,000, above Michigan's $68,505 median household income, so budget carefully.
FHA payment scenarios in Shiawassee County
Whether you are buying in Shiawassee County or a smaller Shiawassee 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 — $194,000 | $6,790 | $1,598 |
| Local median — $270,000 | $9,450 | $2,179 |
| At the FHA limit — $541,287 | $18,945 | $4,251 |
Estimates include FHA MIP plus Michigan property taxes and insurance. Rates move daily near Shiawassee County too — get notified.
Buyers across Shiawassee County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,450 down payment near Shiawassee County into little out of pocket.
Multi-unit FHA limits in Shiawassee County
Investors and house-hackers in Shiawassee County and across Shiawassee 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 Shiawassee County for 2026?
- In Shiawassee County (Shiawassee 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 Shiawassee County with FHA?
- For a median-priced ($270,000) Shiawassee County home, plan on income around $84,000 at a 31% housing ratio — about $2,179/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Shiawassee County?
- 3.5% with a 580+ score — roughly $9,450 on a $270,000 Shiawassee County-area home. Gift funds are allowed.
- Is Shiawassee County a high-cost FHA area?
- No — Shiawassee County uses the $541,287 national floor for one unit.