FHA Loan Limits in Addison County, Vermont (2026)
In Addison County — anchored by Addison County — the 2026 FHA loan limit for a single-family home 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 Addison County to the edges of Addison County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Chittenden and Rutland Counties.
Affording a home in Addison County & Addison County
With Addison County's median sale price estimated near $421,000 (think Addison County), the FHA down payment is roughly $14,735. Factoring Vermont property taxes near 1.83%, expect about $3,490 monthly, pointing to income near $135,000 — above Vermont's $74,014 median household income, so budget carefully.
FHA payment scenarios in Addison County
Whether you are buying in Addison County or a smaller Addison 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 — $303,000 | $10,605 | $2,545 |
| Local median — $421,000 | $14,735 | $3,490 |
| At the FHA limit — $541,287 | $18,945 | $4,454 |
Estimates include FHA MIP plus Vermont property taxes and insurance. Rates move daily near Addison County too — get notified.
First-time buyers make up much of FHA activity in Addison County and across Addison County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $14,735 needed on a median Addison County home.
Multi-unit FHA limits in Addison County
Investors and house-hackers in Addison County and across Addison County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Addison County for 2026?
- In Addison County (Addison 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 Addison County with FHA?
- For a median-priced ($421,000) Addison County home, plan on income around $135,000 at a 31% housing ratio — about $3,490/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Addison County?
- 3.5% with a 580+ score — roughly $14,735 on a $421,000 Addison County-area home. Gift funds are allowed.
- Is Addison County a high-cost FHA area?
- No — Addison County uses the $541,287 national floor for one unit.