FHA Loan Limits in Chittenden County, Vermont (2026)
Buying in Chittenden County or elsewhere in Chittenden 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 Chittenden County, from Chittenden County outward, and sit alongside the limits set for neighboring Rutland and Washington Counties.
FHA affordability around Chittenden County
Homes around Chittenden County carry an estimated local median near $348,000, so an FHA buyer in Chittenden County puts down about $12,180 (3.5%). With Vermont's 1.83% effective property-tax rate, the all-in payment runs near $2,905 a month — comfortable on household income around $112,000, above Vermont's $74,014 median household income, so budget carefully.
FHA payment scenarios in Chittenden County
FHA payments across Chittenden County price points — from entry homes near Chittenden County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $251,000 | $8,785 | $2,128 |
| Local median — $348,000 | $12,180 | $2,905 |
| At the FHA limit — $541,287 | $18,945 | $4,454 |
Estimates include FHA MIP plus Vermont property taxes and insurance. Rates move daily near Chittenden County too — get notified.
In Chittenden County and the surrounding Chittenden County market, FHA's appeal is the math: $12,180 down on a $348,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Chittenden County
Chittenden County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Chittenden 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 Chittenden County for 2026?
- In Chittenden County (Chittenden 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 Chittenden County with FHA?
- For a median-priced ($348,000) Chittenden County home, plan on income around $112,000 at a 31% housing ratio — about $2,905/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Chittenden County?
- 3.5% with a 580+ score — roughly $12,180 on a $348,000 Chittenden County-area home. Gift funds are allowed.
- Is Chittenden County a high-cost FHA area?
- No — Chittenden County uses the $541,287 national floor for one unit.