FHA Loan Limits in Bennington County, Vermont (2026)
Buying in Bennington County or elsewhere in Bennington 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 |
These 2026 limits apply throughout Bennington County, from Bennington County outward, and sit alongside the limits set for neighboring Chittenden and Rutland Counties.
FHA affordability around Bennington County
Homes around Bennington County carry an estimated local median near $437,000, so an FHA buyer in Bennington County puts down about $15,295 (3.5%). With Vermont's 1.83% effective property-tax rate, the all-in payment runs near $3,618 a month — comfortable on household income around $140,000, above Vermont's $74,014 median household income, so budget carefully.
FHA payment scenarios in Bennington County
FHA payments across Bennington County price points — from entry homes near Bennington County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $315,000 | $11,025 | $2,641 |
| Local median — $437,000 | $15,295 | $3,618 |
| At the FHA limit — $541,287 | $18,945 | $4,454 |
Estimates include FHA MIP plus Vermont property taxes and insurance. Rates move daily near Bennington County too — get notified.
In Bennington County and the surrounding Bennington County market, FHA's appeal is the math: $15,295 down on a $437,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Bennington County
Bennington County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Bennington 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 Bennington County for 2026?
- In Bennington County (Bennington 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 Bennington County with FHA?
- For a median-priced ($437,000) Bennington County home, plan on income around $140,000 at a 31% housing ratio — about $3,618/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bennington County?
- 3.5% with a 580+ score — roughly $15,295 on a $437,000 Bennington County-area home. Gift funds are allowed.
- Is Bennington County a high-cost FHA area?
- No — Bennington County uses the $541,287 national floor for one unit.