FHA Loan Limits in Orange County, New York (2026)
Orange County and the rest of Orange County, New York fall under a 2026 one-unit FHA limit of $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 |
Every community in Orange County — Orange County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Kings and Queens Counties.
How much home can you afford in Orange County?
An FHA buyer near Orange County faces an estimated $514,000 median, a $17,990 down payment, and — after New York's 1.72% property tax — a monthly cost around $4,188. That suits household income of roughly $162,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Orange County
Whether you are buying in Orange County or a smaller Orange 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 — $370,000 | $12,950 | $3,048 |
| Local median — $514,000 | $17,990 | $4,188 |
| 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 Orange County too — get notified.
Buyers across Orange County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $17,990 down payment near Orange County into little out of pocket.
Multi-unit FHA limits in Orange County
Investors and house-hackers in Orange County and across Orange County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Orange County for 2026?
- In Orange County (Orange 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 Orange County with FHA?
- For a median-priced ($514,000) Orange County home, plan on income around $162,000 at a 31% housing ratio — about $4,188/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Orange County?
- 3.5% with a 580+ score — roughly $17,990 on a $514,000 Orange County-area home. Gift funds are allowed.
- Is Orange County a high-cost FHA area?
- No — Orange County uses the $541,287 national floor for one unit.