FHA Loan Limits in Lamoille County, Vermont (2026)
Lamoille County and the rest of Lamoille 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 |
From Lamoille County to the edges of Lamoille County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Chittenden and Rutland Counties.
How much home can you afford in Lamoille County?
With Lamoille County's median sale price estimated near $390,000 (think Lamoille County), the FHA down payment is roughly $13,650. Factoring Vermont property taxes near 1.83%, expect about $3,242 monthly, pointing to income near $125,000 — above Vermont's $74,014 median household income, so budget carefully.
FHA payment scenarios in Lamoille County
Here is what an FHA payment looks like at three Lamoille County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $281,000 | $9,835 | $2,368 |
| Local median — $390,000 | $13,650 | $3,242 |
| At the FHA limit — $541,287 | $18,945 | $4,454 |
Estimates include FHA MIP plus Vermont property taxes and insurance. Rates move daily near Lamoille County too — get notified.
First-time buyers make up much of FHA activity in Lamoille County and across Lamoille County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,650 needed on a median Lamoille County home.
Multi-unit FHA limits in Lamoille County
Looking at a duplex or fourplex near Lamoille County? FHA allows up to $692,997 on two units and $1,041,072 on four in Lamoille County, with the same low 3.5% down for owner-occupants.
Stay Ahead of FHA Rule Changes
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 Lamoille County for 2026?
- In Lamoille County (Lamoille 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 Lamoille County with FHA?
- For a median-priced ($390,000) Lamoille County home, plan on income around $125,000 at a 31% housing ratio — about $3,242/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lamoille County?
- 3.5% with a 580+ score — roughly $13,650 on a $390,000 Lamoille County-area home. Gift funds are allowed.
- Is Lamoille County a high-cost FHA area?
- No — Lamoille County uses the $541,287 national floor for one unit.