FHA Loan Limits in Beaver County, Pennsylvania (2026)
Buying in Beaver County or elsewhere in Beaver County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Mid-Atlantic.
| 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 Beaver County to the edges of Beaver County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Allegheny and Philadelphia Counties.
FHA affordability around Beaver County
An FHA buyer near Beaver County faces an estimated $226,000 median, a $7,910 down payment, and — after Pennsylvania's 1.49% property tax — a monthly cost around $1,864. That suits household income of roughly $72,000, under Pennsylvania's $73,170 median household income.
FHA payment scenarios in Beaver County
FHA payments across Beaver County price points — from entry homes near Beaver County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $163,000 | $5,705 | $1,377 |
| Local median — $226,000 | $7,910 | $1,864 |
| At the FHA limit — $541,287 | $18,945 | $4,301 |
Estimates include FHA MIP plus Pennsylvania property taxes and insurance. Rates move daily near Beaver County too — get notified.
First-time buyers make up much of FHA activity in Beaver County and across Beaver County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $7,910 needed on a median Beaver County home.
Multi-unit FHA limits in Beaver County
Beaver County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Beaver 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 Beaver County for 2026?
- In Beaver County (Beaver 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 Beaver County with FHA?
- For a median-priced ($226,000) Beaver County home, plan on income around $72,000 at a 31% housing ratio — about $1,864/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Beaver County?
- 3.5% with a 580+ score — roughly $7,910 on a $226,000 Beaver County-area home. Gift funds are allowed.
- Is Beaver County a high-cost FHA area?
- No — Beaver County uses the $541,287 national floor for one unit.