FHA Loan Limits in Onondaga County, New York (2026)
In Onondaga County — anchored by Onondaga 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 |
From Onondaga County to the edges of Onondaga County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Kings and Queens Counties.
Affording a home in Onondaga County & Onondaga County
Homes around Onondaga County carry an estimated local median near $445,000, so an FHA buyer in Onondaga County puts down about $15,575 (3.5%). With New York's 1.72% effective property-tax rate, the all-in payment runs near $3,642 a month — comfortable on household income around $141,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Onondaga County
Here is what an FHA payment looks like at three Onondaga County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $320,000 | $11,200 | $2,651 |
| Local median — $445,000 | $15,575 | $3,642 |
| 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 Onondaga County too — get notified.
First-time buyers make up much of FHA activity in Onondaga County and across Onondaga County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $15,575 needed on a median Onondaga County home.
Multi-unit FHA limits in Onondaga County
Looking at a duplex or fourplex near Onondaga County? FHA allows up to $692,997 on two units and $1,041,072 on four in Onondaga 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 Onondaga County for 2026?
- In Onondaga County (Onondaga 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 Onondaga County with FHA?
- For a median-priced ($445,000) Onondaga County home, plan on income around $141,000 at a 31% housing ratio — about $3,642/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Onondaga County?
- 3.5% with a 580+ score — roughly $15,575 on a $445,000 Onondaga County-area home. Gift funds are allowed.
- Is Onondaga County a high-cost FHA area?
- No — Onondaga County uses the $541,287 national floor for one unit.