FHA Loan Limits in Orange County, Vermont (2026)
In Orange County — anchored by Orange County — the 2026 FHA loan limit for a single-family home 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 |
Every community in Orange County — Orange County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Chittenden and Rutland Counties.
Affording a home in Orange County & Orange County
An FHA buyer near Orange County faces an estimated $429,000 median, a $15,015 down payment, and — after Vermont's 1.83% property tax — a monthly cost around $3,554. That suits household income of roughly $138,000, above Vermont's $74,014 median household income, so budget carefully.
FHA payment scenarios in Orange County
Whether you are buying in Orange County or a smaller Orange 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 — $309,000 | $10,815 | $2,593 |
| Local median — $429,000 | $15,015 | $3,554 |
| At the FHA limit — $541,287 | $18,945 | $4,454 |
Estimates include FHA MIP plus Vermont property taxes and insurance. Rates move daily near Orange County too — get notified.
Buyers across Orange County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $15,015 down payment near Orange County into little out of pocket.
Multi-unit FHA limits in Orange County
Investors and house-hackers in Orange County and across Orange 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.
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Frequently Asked Questions
- What is the FHA loan limit in Orange County for 2026?
- In Orange County (Orange 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 Orange County with FHA?
- For a median-priced ($429,000) Orange County home, plan on income around $138,000 at a 31% housing ratio — about $3,554/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Orange County?
- 3.5% with a 580+ score — roughly $15,015 on a $429,000 Orange County-area home. Gift funds are allowed.
- Is Orange County a high-cost FHA area?
- No — Orange County uses the $541,287 national floor for one unit.