FHA Loan Limits in Nassau County, New York (2026)
Buying in Nassau County or elsewhere in Nassau County? The 2026 FHA single-family limit across the county is $1,249,125. 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 |
These 2026 limits apply throughout Nassau County, from Nassau County outward, and sit alongside the limits set for neighboring Kings and Queens Counties.
FHA affordability around Nassau County
Homes around Nassau County carry an estimated local median near $720,000, so an FHA buyer in Nassau County puts down about $25,200 (3.5%). With New York's 1.72% effective property-tax rate, the all-in payment runs near $5,820 a month — comfortable on household income around $225,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Nassau County
Whether you are buying in Nassau County or a smaller Nassau 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 — $518,000 | $18,130 | $4,220 |
| Local median — $720,000 | $25,200 | $5,820 |
| 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 Nassau County too — get notified.
In Nassau County and the surrounding Nassau County market, FHA's appeal is the math: $25,200 down on a $720,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Nassau County
Investors and house-hackers in Nassau County and across Nassau 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 Nassau County for 2026?
- In Nassau County (Nassau 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 Nassau County with FHA?
- For a median-priced ($720,000) Nassau County home, plan on income around $225,000 at a 31% housing ratio — about $5,820/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Nassau County?
- 3.5% with a 580+ score — roughly $25,200 on a $720,000 Nassau County-area home. Gift funds are allowed.
- Is Nassau County a high-cost FHA area?
- Yes — Nassau County's $1,249,125 one-unit limit tops the $541,287 national floor.