FHA Loan Limits in Oswego County, New York (2026)
Oswego County and the rest of Oswego 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 |
These 2026 limits apply throughout Oswego County, from Oswego County outward, and sit alongside the limits set for neighboring Kings and Queens Counties.
How much home can you afford in Oswego County?
An FHA buyer near Oswego County faces an estimated $532,000 median, a $18,620 down payment, and — after New York's 1.72% property tax — a monthly cost around $4,331. That suits household income of roughly $168,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Oswego County
FHA payments across Oswego County price points — from entry homes near Oswego County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $383,000 | $13,405 | $3,151 |
| Local median — $532,000 | $18,620 | $4,331 |
| 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 Oswego County too — get notified.
In Oswego County and the surrounding Oswego County market, FHA's appeal is the math: $18,620 down on a $532,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Oswego County
Oswego County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Oswego 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 Oswego County for 2026?
- In Oswego County (Oswego 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 Oswego County with FHA?
- For a median-priced ($532,000) Oswego County home, plan on income around $168,000 at a 31% housing ratio — about $4,331/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Oswego County?
- 3.5% with a 580+ score — roughly $18,620 on a $532,000 Oswego County-area home. Gift funds are allowed.
- Is Oswego County a high-cost FHA area?
- No — Oswego County uses the $541,287 national floor for one unit.