FHA Loan Limits in Caledonia County, Vermont (2026)
Buying in Caledonia County or elsewhere in Caledonia 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 Caledonia County to the edges of Caledonia County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Chittenden and Rutland Counties.
FHA affordability around Caledonia County
With Caledonia County's median sale price estimated near $383,000 (think Caledonia County), the FHA down payment is roughly $13,405. Factoring Vermont property taxes near 1.83%, expect about $3,186 monthly, pointing to income near $123,000 — above Vermont's $74,014 median household income, so budget carefully.
FHA payment scenarios in Caledonia County
FHA payments across Caledonia County price points — from entry homes near Caledonia County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $276,000 | $9,660 | $2,328 |
| Local median — $383,000 | $13,405 | $3,186 |
| At the FHA limit — $541,287 | $18,945 | $4,454 |
Estimates include FHA MIP plus Vermont property taxes and insurance. Rates move daily near Caledonia County too — get notified.
First-time buyers make up much of FHA activity in Caledonia County and across Caledonia County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,405 needed on a median Caledonia County home.
Multi-unit FHA limits in Caledonia County
Caledonia County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Caledonia 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 Caledonia County for 2026?
- In Caledonia County (Caledonia 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 Caledonia County with FHA?
- For a median-priced ($383,000) Caledonia County home, plan on income around $123,000 at a 31% housing ratio — about $3,186/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Caledonia County?
- 3.5% with a 580+ score — roughly $13,405 on a $383,000 Caledonia County-area home. Gift funds are allowed.
- Is Caledonia County a high-cost FHA area?
- No — Caledonia County uses the $541,287 national floor for one unit.