FHA Loan Limits in Bristol County, Rhode Island (2026)
Buying in Bristol County or elsewhere in Bristol County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of New England.
| 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 Bristol County to the edges of Bristol County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Providence and Kent Counties.
FHA affordability around Bristol County
With Bristol County's median sale price estimated near $507,000 (think Bristol County), the FHA down payment is roughly $17,745. Factoring Rhode Island property taxes near 1.40%, expect about $3,998 monthly, pointing to income near $155,000 — above Rhode Island's $81,854 median household income, so budget carefully.
FHA payment scenarios in Bristol County
Here is what an FHA payment looks like at three Bristol County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $365,000 | $12,775 | $2,911 |
| Local median — $507,000 | $17,745 | $3,998 |
| At the FHA limit — $541,287 | $18,945 | $4,260 |
Estimates include FHA MIP plus Rhode Island property taxes and insurance. Rates move daily near Bristol County too — get notified.
First-time buyers make up much of FHA activity in Bristol County and across Bristol County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $17,745 needed on a median Bristol County home.
Multi-unit FHA limits in Bristol County
Looking at a duplex or fourplex near Bristol County? FHA allows up to $692,997 on two units and $1,041,072 on four in Bristol County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Bristol County for 2026?
- In Bristol County (Bristol 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 Bristol County with FHA?
- For a median-priced ($507,000) Bristol County home, plan on income around $155,000 at a 31% housing ratio — about $3,998/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bristol County?
- 3.5% with a 580+ score — roughly $17,745 on a $507,000 Bristol County-area home. Gift funds are allowed.
- Is Bristol County a high-cost FHA area?
- No — Bristol County uses the $541,287 national floor for one unit.