FHA Loan Limits in Eddy County, New Mexico (2026)
From Eddy County, FHA buyers in Eddy 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 Southwest.
| 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 Eddy County — Eddy County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Bernalillo and Dona Ana Counties.
What can you buy with FHA in Eddy County?
Homes around Eddy County carry an estimated local median near $306,000, so an FHA buyer in Eddy County puts down about $10,710 (3.5%). With New Mexico's 0.78% effective property-tax rate, the all-in payment runs near $2,301 a month — comfortable on household income around $89,000, above New Mexico's $58,722 median household income, so budget carefully.
FHA payment scenarios in Eddy County
FHA payments across Eddy County price points — from entry homes near Eddy County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $220,000 | $7,700 | $1,687 |
| Local median — $306,000 | $10,710 | $2,301 |
| At the FHA limit — $541,287 | $18,945 | $3,980 |
Estimates include FHA MIP plus New Mexico property taxes and insurance. Rates move daily near Eddy County too — get notified.
Buyers across Eddy County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $10,710 down payment near Eddy County into little out of pocket.
Multi-unit FHA limits in Eddy County
Eddy County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Eddy 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 Eddy County for 2026?
- In Eddy County (Eddy 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 Eddy County with FHA?
- For a median-priced ($306,000) Eddy County home, plan on income around $89,000 at a 31% housing ratio — about $2,301/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Eddy County?
- 3.5% with a 580+ score — roughly $10,710 on a $306,000 Eddy County-area home. Gift funds are allowed.
- Is Eddy County a high-cost FHA area?
- No — Eddy County uses the $541,287 national floor for one unit.