FHA Loan Limits in Rutland County, Vermont (2026)
Buying in Rutland County or elsewhere in Rutland 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 |
From Rutland County to the edges of Rutland County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Chittenden and Washington Counties.
FHA affordability around Rutland County
An FHA buyer near Rutland County faces an estimated $406,000 median, a $14,210 down payment, and — after Vermont's 1.83% property tax — a monthly cost around $3,370. That suits household income of roughly $130,000, above Vermont's $74,014 median household income, so budget carefully.
FHA payment scenarios in Rutland County
Here is what an FHA payment looks like at three Rutland County budgets, all with 3.5% down at a 6.25% example 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 Rutland County too — get notified.
First-time buyers make up much of FHA activity in Rutland County and across Rutland 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 Rutland County home.
Multi-unit FHA limits in Rutland County
Looking at a duplex or fourplex near Rutland County? FHA allows up to $692,997 on two units and $1,041,072 on four in Rutland County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Rutland County for 2026?
- In Rutland County (Rutland 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 Rutland County with FHA?
- For a median-priced ($406,000) Rutland 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 Rutland County?
- 3.5% with a 580+ score — roughly $14,210 on a $406,000 Rutland County-area home. Gift funds are allowed.
- Is Rutland County a high-cost FHA area?
- No — Rutland County uses the $541,287 national floor for one unit.