FHA Loan Limits in Windsor County, Vermont (2026)
In Windsor County — anchored by Windsor 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 |
These 2026 limits apply throughout Windsor County, from Windsor County outward, and sit alongside the limits set for neighboring Chittenden and Rutland Counties.
Affording a home in Windsor County & Windsor County
With Windsor County's median sale price estimated near $433,000 (think Windsor County), the FHA down payment is roughly $15,155. Factoring Vermont property taxes near 1.83%, expect about $3,586 monthly, pointing to income near $139,000 — above Vermont's $74,014 median household income, so budget carefully.
FHA payment scenarios in Windsor County
Here is what an FHA payment looks like at three Windsor County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $312,000 | $10,920 | $2,617 |
| Local median — $433,000 | $15,155 | $3,586 |
| At the FHA limit — $541,287 | $18,945 | $4,454 |
Estimates include FHA MIP plus Vermont property taxes and insurance. Rates move daily near Windsor County too — get notified.
In Windsor County and the surrounding Windsor County market, FHA's appeal is the math: $15,155 down on a $433,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Windsor County
Looking at a duplex or fourplex near Windsor County? FHA allows up to $692,997 on two units and $1,041,072 on four in Windsor 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 Windsor County for 2026?
- In Windsor County (Windsor 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 Windsor County with FHA?
- For a median-priced ($433,000) Windsor County home, plan on income around $139,000 at a 31% housing ratio — about $3,586/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Windsor County?
- 3.5% with a 580+ score — roughly $15,155 on a $433,000 Windsor County-area home. Gift funds are allowed.
- Is Windsor County a high-cost FHA area?
- No — Windsor County uses the $541,287 national floor for one unit.