FHA Loan Limits in Grand Isle County, Vermont (2026)
Grand Isle County and the rest of Grand Isle County, Vermont fall under a 2026 one-unit FHA limit of $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 |
Every community in Grand Isle County — Grand Isle County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Chittenden and Rutland Counties.
How much home can you afford in Grand Isle County?
With Grand Isle County's median sale price estimated near $359,000 (think Grand Isle County), the FHA down payment is roughly $12,565. Factoring Vermont property taxes near 1.83%, expect about $2,993 monthly, pointing to income near $116,000 — above Vermont's $74,014 median household income, so budget carefully.
FHA payment scenarios in Grand Isle County
Whether you are buying in Grand Isle County or a smaller Grand Isle 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 — $258,000 | $9,030 | $2,184 |
| Local median — $359,000 | $12,565 | $2,993 |
| At the FHA limit — $541,287 | $18,945 | $4,454 |
Estimates include FHA MIP plus Vermont property taxes and insurance. Rates move daily near Grand Isle County too — get notified.
Buyers across Grand Isle County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,565 down payment near Grand Isle County into little out of pocket.
Multi-unit FHA limits in Grand Isle County
Investors and house-hackers in Grand Isle County and across Grand Isle 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.
Your Free FHA Early-Warning System
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Grand Isle County for 2026?
- In Grand Isle County (Grand Isle 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 Grand Isle County with FHA?
- For a median-priced ($359,000) Grand Isle County home, plan on income around $116,000 at a 31% housing ratio — about $2,993/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Grand Isle County?
- 3.5% with a 580+ score — roughly $12,565 on a $359,000 Grand Isle County-area home. Gift funds are allowed.
- Is Grand Isle County a high-cost FHA area?
- No — Grand Isle County uses the $541,287 national floor for one unit.