FHA Loan Limits in Cheshire County, New Hampshire (2026)
Cheshire County and the rest of Cheshire County, New Hampshire fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of New England.
| 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 Cheshire County — Cheshire County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hillsborough and Rockingham Counties.
How much home can you afford in Cheshire County?
Homes around Cheshire County carry an estimated local median near $487,000, so an FHA buyer in Cheshire County puts down about $17,045 (3.5%). With New Hampshire's 1.93% effective property-tax rate, the all-in payment runs near $4,060 a month — comfortable on household income around $157,000, above New Hampshire's $96,838 median household income, so budget carefully.
FHA payment scenarios in Cheshire County
Here is what an FHA payment looks like at three Cheshire County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $351,000 | $12,285 | $2,958 |
| Local median — $487,000 | $17,045 | $4,060 |
| At the FHA limit — $541,287 | $18,945 | $4,499 |
Estimates include FHA MIP plus New Hampshire property taxes and insurance. Rates move daily near Cheshire County too — get notified.
Buyers across Cheshire County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $17,045 down payment near Cheshire County into little out of pocket.
Multi-unit FHA limits in Cheshire County
Looking at a duplex or fourplex near Cheshire County? FHA allows up to $692,997 on two units and $1,041,072 on four in Cheshire 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 Cheshire County for 2026?
- In Cheshire County (Cheshire 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 Cheshire County with FHA?
- For a median-priced ($487,000) Cheshire County home, plan on income around $157,000 at a 31% housing ratio — about $4,060/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cheshire County?
- 3.5% with a 580+ score — roughly $17,045 on a $487,000 Cheshire County-area home. Gift funds are allowed.
- Is Cheshire County a high-cost FHA area?
- No — Cheshire County uses the $541,287 national floor for one unit.