FHA Loan Limits in Suffolk County, New York (2026)
From Suffolk County, FHA buyers in Suffolk County can finance a one-unit home up to $1,249,125 with 3.5% down in 2026. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
From Suffolk County to the edges of Suffolk County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Kings and Queens Counties.
What can you buy with FHA in Suffolk County?
With Suffolk County's median sale price estimated near $640,000 (think Suffolk County), the FHA down payment is roughly $22,400. Factoring New York property taxes near 1.72%, expect about $5,186 monthly, pointing to income near $201,000 — above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Suffolk County
Whether you are buying in Suffolk County or a smaller Suffolk 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 — $461,000 | $16,135 | $3,768 |
| Local median — $640,000 | $22,400 | $5,186 |
| At the FHA limit — $1,249,125 | $43,719 | $10,011 |
Estimates include FHA MIP plus New York property taxes and insurance. Rates move daily near Suffolk County too — get notified.
First-time buyers make up much of FHA activity in Suffolk County and across Suffolk County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $22,400 needed on a median Suffolk County home.
Multi-unit FHA limits in Suffolk County
Investors and house-hackers in Suffolk County and across Suffolk County can finance 2-4 unit homes with FHA at just 3.5% down: $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Suffolk County for 2026?
- In Suffolk County (Suffolk County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Suffolk County with FHA?
- For a median-priced ($640,000) Suffolk County home, plan on income around $201,000 at a 31% housing ratio — about $5,186/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Suffolk County?
- 3.5% with a 580+ score — roughly $22,400 on a $640,000 Suffolk County-area home. Gift funds are allowed.
- Is Suffolk County a high-cost FHA area?
- Yes — Suffolk County's $1,249,125 one-unit limit tops the $541,287 national floor.