FHA Loan Limits in Monroe County, New York (2026)
From Monroe County, FHA buyers in Monroe 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 |
From Monroe County to the edges of Monroe County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Kings and Queens Counties.
What can you buy with FHA in Monroe County?
An FHA buyer near Monroe County faces an estimated $486,000 median, a $17,010 down payment, and — after New York's 1.72% property tax — a monthly cost around $3,966. That suits household income of roughly $154,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Monroe County
FHA payments across Monroe County price points — from entry homes near Monroe County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $350,000 | $12,250 | $2,889 |
| Local median — $486,000 | $17,010 | $3,966 |
| 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 Monroe County too — get notified.
First-time buyers make up much of FHA activity in Monroe County and across Monroe County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $17,010 needed on a median Monroe County home.
Multi-unit FHA limits in Monroe County
Monroe County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Monroe County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Monroe County for 2026?
- In Monroe County (Monroe 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 Monroe County with FHA?
- For a median-priced ($486,000) Monroe County home, plan on income around $154,000 at a 31% housing ratio — about $3,966/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Monroe County?
- 3.5% with a 580+ score — roughly $17,010 on a $486,000 Monroe County-area home. Gift funds are allowed.
- Is Monroe County a high-cost FHA area?
- No — Monroe County uses the $541,287 national floor for one unit.