FHA Loan Limits in Albany County, New York (2026)
In Albany County — anchored by Albany County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the Northeast.
| 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 Albany County — Albany County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Kings and Queens Counties.
Affording a home in Albany County & Albany County
With Albany County's median sale price estimated near $518,000 (think Albany County), the FHA down payment is roughly $18,130. Factoring New York property taxes near 1.72%, expect about $4,220 monthly, pointing to income near $163,000 — above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Albany County
Here is what an FHA payment looks like at three Albany County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $373,000 | $13,055 | $3,071 |
| Local median — $518,000 | $18,130 | $4,220 |
| At the FHA limit — $541,287 | $18,945 | $4,404 |
Estimates include FHA MIP plus New York property taxes and insurance. Rates move daily near Albany County too — get notified.
Buyers across Albany County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,130 down payment near Albany County into little out of pocket.
Multi-unit FHA limits in Albany County
Looking at a duplex or fourplex near Albany County? FHA allows up to $692,997 on two units and $1,041,072 on four in Albany 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 Albany County for 2026?
- In Albany County (Albany 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 Albany County with FHA?
- For a median-priced ($518,000) Albany County home, plan on income around $163,000 at a 31% housing ratio — about $4,220/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Albany County?
- 3.5% with a 580+ score — roughly $18,130 on a $518,000 Albany County-area home. Gift funds are allowed.
- Is Albany County a high-cost FHA area?
- No — Albany County uses the $541,287 national floor for one unit.