FHA Loan Limits in Kings County, New York (2026)
From Kings County, FHA buyers in Kings County can finance a one-unit home up to $1,249,125 with 3.5% down in 2026. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
From Kings County to the edges of Kings County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Queens and New York Counties.
What can you buy with FHA in Kings County?
Homes around Kings County carry an estimated local median near $900,000, so an FHA buyer in Kings County puts down about $31,500 (3.5%). With New York's 1.72% effective property-tax rate, the all-in payment runs near $7,246 a month — comfortable on household income around $280,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Kings County
Whether you are buying in Kings County or a smaller Kings 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 — $648,000 | $22,680 | $5,250 |
| Local median — $900,000 | $31,500 | $7,246 |
| At the FHA limit — $1,249,125 | $43,719 | $10,011 |
Estimates include FHA MIP plus New York property taxes and insurance. Rates move daily near Kings County too — get notified.
First-time buyers make up much of FHA activity in Kings County and across Kings County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $31,500 needed on a median Kings County home.
Multi-unit FHA limits in Kings County
Investors and house-hackers in Kings County and across Kings County can finance 2-4 unit homes with FHA at just 3.5% down: $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Kings County for 2026?
- In Kings County (Kings County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Kings County with FHA?
- For a median-priced ($900,000) Kings County home, plan on income around $280,000 at a 31% housing ratio — about $7,246/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kings County?
- 3.5% with a 580+ score — roughly $31,500 on a $900,000 Kings County-area home. Gift funds are allowed.
- Is Kings County a high-cost FHA area?
- Yes — Kings County's $1,249,125 one-unit limit tops the $541,287 national floor.