FHA Loan Limits in Steuben County, New York (2026)
Steuben County and the rest of Steuben 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 Steuben County to the edges of Steuben 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 Steuben County?
Homes around Steuben County carry an estimated local median near $450,000, so an FHA buyer in Steuben County puts down about $15,750 (3.5%). With New York's 1.72% effective property-tax rate, the all-in payment runs near $3,681 a month — comfortable on household income around $142,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Steuben County
Whether you are buying in Steuben County or a smaller Steuben 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 — $324,000 | $11,340 | $2,683 |
| Local median — $450,000 | $15,750 | $3,681 |
| 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 Steuben County too — get notified.
First-time buyers make up much of FHA activity in Steuben County and across Steuben County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $15,750 needed on a median Steuben County home.
Multi-unit FHA limits in Steuben County
Investors and house-hackers in Steuben County and across Steuben 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 Steuben County for 2026?
- In Steuben County (Steuben 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 Steuben County with FHA?
- For a median-priced ($450,000) Steuben County home, plan on income around $142,000 at a 31% housing ratio — about $3,681/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Steuben County?
- 3.5% with a 580+ score — roughly $15,750 on a $450,000 Steuben County-area home. Gift funds are allowed.
- Is Steuben County a high-cost FHA area?
- No — Steuben County uses the $541,287 national floor for one unit.