FHA Loan Limits in San Juan County, New Mexico (2026)
From San Juan County, FHA buyers in San Juan 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 San Juan County — San Juan 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 San Juan County?
Homes around San Juan County carry an estimated local median near $357,000, so an FHA buyer in San Juan County puts down about $12,495 (3.5%). With New Mexico's 0.78% effective property-tax rate, the all-in payment runs near $2,665 a month — comfortable on household income around $103,000, above New Mexico's $58,722 median household income, so budget carefully.
FHA payment scenarios in San Juan County
Whether you are buying in San Juan County or a smaller San Juan 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 — $257,000 | $8,995 | $1,951 |
| Local median — $357,000 | $12,495 | $2,665 |
| 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 San Juan County too — get notified.
Buyers across San Juan County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,495 down payment near San Juan County into little out of pocket.
Multi-unit FHA limits in San Juan County
Investors and house-hackers in San Juan County and across San Juan 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 San Juan County for 2026?
- In San Juan County (San Juan 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 San Juan County with FHA?
- For a median-priced ($357,000) San Juan County home, plan on income around $103,000 at a 31% housing ratio — about $2,665/month including taxes, insurance, and MIP.
- How much is the FHA down payment in San Juan County?
- 3.5% with a 580+ score — roughly $12,495 on a $357,000 San Juan County-area home. Gift funds are allowed.
- Is San Juan County a high-cost FHA area?
- No — San Juan County uses the $541,287 national floor for one unit.