FHA Loan Limits in Orleans County, Vermont (2026)
In Orleans County — anchored by Orleans 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 |
From Orleans County to the edges of Orleans County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Chittenden and Rutland Counties.
Affording a home in Orleans County & Orleans County
With Orleans County's median sale price estimated near $406,000 (think Orleans County), the FHA down payment is roughly $14,210. Factoring Vermont property taxes near 1.83%, expect about $3,370 monthly, pointing to income near $130,000 — above Vermont's $74,014 median household income, so budget carefully.
FHA payment scenarios in Orleans County
Whether you are buying in Orleans County or a smaller Orleans 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 — $292,000 | $10,220 | $2,456 |
| Local median — $406,000 | $14,210 | $3,370 |
| At the FHA limit — $541,287 | $18,945 | $4,454 |
Estimates include FHA MIP plus Vermont property taxes and insurance. Rates move daily near Orleans County too — get notified.
First-time buyers make up much of FHA activity in Orleans County and across Orleans County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $14,210 needed on a median Orleans County home.
Multi-unit FHA limits in Orleans County
Investors and house-hackers in Orleans County and across Orleans 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 Orleans County for 2026?
- In Orleans County (Orleans 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 Orleans County with FHA?
- For a median-priced ($406,000) Orleans County home, plan on income around $130,000 at a 31% housing ratio — about $3,370/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Orleans County?
- 3.5% with a 580+ score — roughly $14,210 on a $406,000 Orleans County-area home. Gift funds are allowed.
- Is Orleans County a high-cost FHA area?
- No — Orleans County uses the $541,287 national floor for one unit.