FHA Loan Limits in Washtenaw County, Michigan (2026)
In Washtenaw County — anchored by Washtenaw 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 |
Every community in Washtenaw County — Washtenaw County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Wayne and Oakland Counties.
Affording a home in Washtenaw County & Washtenaw County
Homes around Washtenaw County carry an estimated local median near $237,000, so an FHA buyer in Washtenaw County puts down about $8,295 (3.5%). With Michigan's 1.38% effective property-tax rate, the all-in payment runs near $1,927 a month — comfortable on household income around $75,000, above Michigan's $68,505 median household income, so budget carefully.
FHA payment scenarios in Washtenaw County
Here is what an FHA payment looks like at three Washtenaw County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $171,000 | $5,985 | $1,423 |
| Local median — $237,000 | $8,295 | $1,927 |
| At the FHA limit — $541,287 | $18,945 | $4,251 |
Estimates include FHA MIP plus Michigan property taxes and insurance. Rates move daily near Washtenaw County too — get notified.
Buyers across Washtenaw County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,295 down payment near Washtenaw County into little out of pocket.
Multi-unit FHA limits in Washtenaw County
Looking at a duplex or fourplex near Washtenaw County? FHA allows up to $692,997 on two units and $1,041,072 on four in Washtenaw County, with the same low 3.5% down for owner-occupants.
Get FHA Rate & Program Alerts
One quick signup and we keep you posted on FHA rate drops, new programs, and requirement changes.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Washtenaw County for 2026?
- In Washtenaw County (Washtenaw 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 Washtenaw County with FHA?
- For a median-priced ($237,000) Washtenaw County home, plan on income around $75,000 at a 31% housing ratio — about $1,927/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Washtenaw County?
- 3.5% with a 580+ score — roughly $8,295 on a $237,000 Washtenaw County-area home. Gift funds are allowed.
- Is Washtenaw County a high-cost FHA area?
- No — Washtenaw County uses the $541,287 national floor for one unit.