FHA Loan Limits in Bucks County, Pennsylvania (2026)
Bucks County and the rest of Bucks County, Pennsylvania fall under a 2026 one-unit FHA limit of $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 |
These 2026 limits apply throughout Bucks County, from Bucks County outward, and sit alongside the limits set for neighboring Allegheny and Philadelphia Counties.
How much home can you afford in Bucks County?
With Bucks County's median sale price estimated near $460,000 (think Bucks County), the FHA down payment is roughly $16,100. Factoring Pennsylvania property taxes near 1.49%, expect about $3,672 monthly, pointing to income near $142,000 — above Pennsylvania's $73,170 median household income, so budget carefully.
FHA payment scenarios in Bucks County
Here is what an FHA payment looks like at three Bucks County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $331,000 | $11,585 | $2,675 |
| Local median — $460,000 | $16,100 | $3,672 |
| At the FHA limit — $541,287 | $18,945 | $4,301 |
Estimates include FHA MIP plus Pennsylvania property taxes and insurance. Rates move daily near Bucks County too — get notified.
In Bucks County and the surrounding Bucks County market, FHA's appeal is the math: $16,100 down on a $460,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Bucks County
Looking at a duplex or fourplex near Bucks County? FHA allows up to $692,997 on two units and $1,041,072 on four in Bucks County, with the same low 3.5% down for owner-occupants.
Get FHA Rate & Program Alerts
Join the free FHA Notification Program — we watch rates, requirements, and new programs so you do not have to.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Bucks County for 2026?
- In Bucks County (Bucks 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 Bucks County with FHA?
- For a median-priced ($460,000) Bucks County home, plan on income around $142,000 at a 31% housing ratio — about $3,672/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bucks County?
- 3.5% with a 580+ score — roughly $16,100 on a $460,000 Bucks County-area home. Gift funds are allowed.
- Is Bucks County a high-cost FHA area?
- No — Bucks County uses the $541,287 national floor for one unit.