FHA Loan Limits in Westchester County, New York (2026)
Buying in Westchester County or elsewhere in Westchester County? The 2026 FHA single-family limit across the county is $1,249,125. 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 Westchester County to the edges of Westchester County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Kings and Queens Counties.
FHA affordability around Westchester County
An FHA buyer near Westchester County faces an estimated $720,000 median, a $25,200 down payment, and — after New York's 1.72% property tax — a monthly cost around $5,820. That suits household income of roughly $225,000, above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Westchester County
Whether you are buying in Westchester County or a smaller Westchester 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 — $518,000 | $18,130 | $4,220 |
| Local median — $720,000 | $25,200 | $5,820 |
| 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 Westchester County too — get notified.
First-time buyers make up much of FHA activity in Westchester County and across Westchester County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $25,200 needed on a median Westchester County home.
Multi-unit FHA limits in Westchester County
Investors and house-hackers in Westchester County and across Westchester 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 Westchester County for 2026?
- In Westchester County (Westchester 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 Westchester County with FHA?
- For a median-priced ($720,000) Westchester County home, plan on income around $225,000 at a 31% housing ratio — about $5,820/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Westchester County?
- 3.5% with a 580+ score — roughly $25,200 on a $720,000 Westchester County-area home. Gift funds are allowed.
- Is Westchester County a high-cost FHA area?
- Yes — Westchester County's $1,249,125 one-unit limit tops the $541,287 national floor.