FHA Loan Limits in Washington County, Minnesota (2026)
Washington County and the rest of Washington County, Minnesota 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 |
Every community in Washington County — Washington County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hennepin and Ramsey Counties.
How much home can you afford in Washington County?
An FHA buyer near Washington County faces an estimated $370,000 median, a $12,950 down payment, and — after Minnesota's 1.11% property tax — a monthly cost around $2,859. That suits household income of roughly $111,000, above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Washington County
Whether you are buying in Washington County or a smaller Washington 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 — $266,000 | $9,310 | $2,089 |
| Local median — $370,000 | $12,950 | $2,859 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near Washington County too — get notified.
Buyers across Washington County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,950 down payment near Washington County into little out of pocket.
Multi-unit FHA limits in Washington County
Investors and house-hackers in Washington County and across Washington 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 Washington County for 2026?
- In Washington County (Washington 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 Washington County with FHA?
- For a median-priced ($370,000) Washington County home, plan on income around $111,000 at a 31% housing ratio — about $2,859/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Washington County?
- 3.5% with a 580+ score — roughly $12,950 on a $370,000 Washington County-area home. Gift funds are allowed.
- Is Washington County a high-cost FHA area?
- No — Washington County uses the $541,287 national floor for one unit.