FHA Loan Limits in St. Lawrence County, New York (2026)
St. Lawrence County and the rest of St. Lawrence 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 |
From St. Lawrence County to the edges of St. Lawrence County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Kings and Queens Counties.
How much home can you afford in St. Lawrence County?
An FHA buyer near St. Lawrence County faces an estimated $518,000 median, a $18,130 down payment, and — after New York's 1.72% property tax — a monthly cost around $4,220. That suits household income of roughly $163,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in St. Lawrence County
Here is what an FHA payment looks like at three St. Lawrence County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $373,000 | $13,055 | $3,071 |
| Local median — $518,000 | $18,130 | $4,220 |
| 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 St. Lawrence County too — get notified.
First-time buyers make up much of FHA activity in St. Lawrence County and across St. Lawrence County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,130 needed on a median St. Lawrence County home.
Multi-unit FHA limits in St. Lawrence County
Looking at a duplex or fourplex near St. Lawrence County? FHA allows up to $692,997 on two units and $1,041,072 on four in St. Lawrence 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 St. Lawrence County for 2026?
- In St. Lawrence County (St. Lawrence 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 St. Lawrence County with FHA?
- For a median-priced ($518,000) St. Lawrence County home, plan on income around $163,000 at a 31% housing ratio — about $4,220/month including taxes, insurance, and MIP.
- How much is the FHA down payment in St. Lawrence County?
- 3.5% with a 580+ score — roughly $18,130 on a $518,000 St. Lawrence County-area home. Gift funds are allowed.
- Is St. Lawrence County a high-cost FHA area?
- No — St. Lawrence County uses the $541,287 national floor for one unit.