FHA Loan Limits in Coos County, New Hampshire (2026)
Buying in Coos County or elsewhere in Coos County? The 2026 FHA single-family limit across the county is $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 |
These 2026 limits apply throughout Coos County, from Coos County outward, and sit alongside the limits set for neighboring Hillsborough and Rockingham Counties.
FHA affordability around Coos County
With Coos County's median sale price estimated near $464,000 (think Coos County), the FHA down payment is roughly $16,240. Factoring New Hampshire property taxes near 1.93%, expect about $3,873 monthly, pointing to income near $150,000 — above New Hampshire's $96,838 median household income, so budget carefully.
FHA payment scenarios in Coos County
FHA payments across Coos County price points — from entry homes near Coos County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $334,000 | $11,690 | $2,821 |
| Local median — $464,000 | $16,240 | $3,873 |
| 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 Coos County too — get notified.
In Coos County and the surrounding Coos County market, FHA's appeal is the math: $16,240 down on a $464,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Coos County
Coos County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Coos County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Coos County for 2026?
- In Coos County (Coos 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 Coos County with FHA?
- For a median-priced ($464,000) Coos County home, plan on income around $150,000 at a 31% housing ratio — about $3,873/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Coos County?
- 3.5% with a 580+ score — roughly $16,240 on a $464,000 Coos County-area home. Gift funds are allowed.
- Is Coos County a high-cost FHA area?
- No — Coos County uses the $541,287 national floor for one unit.