FHA Loan Limits in Erie County, New York (2026)
In Erie County — anchored by Erie 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 |
These 2026 limits apply throughout Erie County, from Erie County outward, and sit alongside the limits set for neighboring Kings and Queens Counties.
Affording a home in Erie County & Erie County
An FHA buyer near Erie County faces an estimated $536,000 median, a $18,760 down payment, and — after New York's 1.72% property tax — a monthly cost around $4,362. That suits household income of roughly $169,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Erie County
Here is what an FHA payment looks like at three Erie County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $386,000 | $13,510 | $3,174 |
| Local median — $536,000 | $18,760 | $4,362 |
| 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 Erie County too — get notified.
In Erie County and the surrounding Erie County market, FHA's appeal is the math: $18,760 down on a $536,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Erie County
Looking at a duplex or fourplex near Erie County? FHA allows up to $692,997 on two units and $1,041,072 on four in Erie 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 Erie County for 2026?
- In Erie County (Erie 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 Erie County with FHA?
- For a median-priced ($536,000) Erie County home, plan on income around $169,000 at a 31% housing ratio — about $4,362/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Erie County?
- 3.5% with a 580+ score — roughly $18,760 on a $536,000 Erie County-area home. Gift funds are allowed.
- Is Erie County a high-cost FHA area?
- No — Erie County uses the $541,287 national floor for one unit.