FHA Loan Limits in Jefferson County, New York (2026)
Jefferson County and the rest of Jefferson County, New York fall under a 2026 one-unit FHA limit of $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 Jefferson County — Jefferson County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Kings and Queens Counties.
How much home can you afford in Jefferson County?
With Jefferson County's median sale price estimated near $495,000 (think Jefferson County), the FHA down payment is roughly $17,325. Factoring New York property taxes near 1.72%, expect about $4,038 monthly, pointing to income near $156,000 — above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Jefferson County
Here is what an FHA payment looks like at three Jefferson County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $356,000 | $12,460 | $2,937 |
| Local median — $495,000 | $17,325 | $4,038 |
| 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 Jefferson County too — get notified.
Buyers across Jefferson County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $17,325 down payment near Jefferson County into little out of pocket.
Multi-unit FHA limits in Jefferson County
Looking at a duplex or fourplex near Jefferson County? FHA allows up to $692,997 on two units and $1,041,072 on four in Jefferson County, with the same low 3.5% down for owner-occupants.
Be First to Know When FHA Rates Move
Free to join in under 30 seconds. Get notified when it is time to act.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Jefferson County for 2026?
- In Jefferson County (Jefferson 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 Jefferson County with FHA?
- For a median-priced ($495,000) Jefferson County home, plan on income around $156,000 at a 31% housing ratio — about $4,038/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Jefferson County?
- 3.5% with a 580+ score — roughly $17,325 on a $495,000 Jefferson County-area home. Gift funds are allowed.
- Is Jefferson County a high-cost FHA area?
- No — Jefferson County uses the $541,287 national floor for one unit.