FHA Loan Limits in Ontario County, New York (2026)
From Ontario County, FHA buyers in Ontario 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 |
Every community in Ontario County — Ontario County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Kings and Queens Counties.
What can you buy with FHA in Ontario County?
With Ontario County's median sale price estimated near $472,000 (think Ontario County), the FHA down payment is roughly $16,520. Factoring New York property taxes near 1.72%, expect about $3,856 monthly, pointing to income near $149,000 — above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Ontario County
Here is what an FHA payment looks like at three Ontario County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $340,000 | $11,900 | $2,810 |
| Local median — $472,000 | $16,520 | $3,856 |
| 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 Ontario County too — get notified.
Buyers across Ontario County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $16,520 down payment near Ontario County into little out of pocket.
Multi-unit FHA limits in Ontario County
Looking at a duplex or fourplex near Ontario County? FHA allows up to $692,997 on two units and $1,041,072 on four in Ontario County, with the same low 3.5% down for owner-occupants.
Be First to Know When FHA Rates Move
One quick signup and we keep you posted on FHA rate drops, new programs, and requirement changes.
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 Ontario County for 2026?
- In Ontario County (Ontario 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 Ontario County with FHA?
- For a median-priced ($472,000) Ontario County home, plan on income around $149,000 at a 31% housing ratio — about $3,856/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Ontario County?
- 3.5% with a 580+ score — roughly $16,520 on a $472,000 Ontario County-area home. Gift funds are allowed.
- Is Ontario County a high-cost FHA area?
- No — Ontario County uses the $541,287 national floor for one unit.