FHA Loan Limits in Broome County, New York (2026)
From Broome County, FHA buyers in Broome 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 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 |
These 2026 limits apply throughout Broome County, from Broome County outward, and sit alongside the limits set for neighboring Kings and Queens Counties.
What can you buy with FHA in Broome County?
Homes around Broome County carry an estimated local median near $404,000, so an FHA buyer in Broome County puts down about $14,140 (3.5%). With New York's 1.72% effective property-tax rate, the all-in payment runs near $3,317 a month — comfortable on household income around $128,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Broome County
Whether you are buying in Broome County or a smaller Broome 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 — $291,000 | $10,185 | $2,422 |
| Local median — $404,000 | $14,140 | $3,317 |
| 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 Broome County too — get notified.
In Broome County and the surrounding Broome County market, FHA's appeal is the math: $14,140 down on a $404,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Broome County
Investors and house-hackers in Broome County and across Broome 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 Broome County for 2026?
- In Broome County (Broome 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 Broome County with FHA?
- For a median-priced ($404,000) Broome County home, plan on income around $128,000 at a 31% housing ratio — about $3,317/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Broome County?
- 3.5% with a 580+ score — roughly $14,140 on a $404,000 Broome County-area home. Gift funds are allowed.
- Is Broome County a high-cost FHA area?
- No — Broome County uses the $541,287 national floor for one unit.