FHA Loan Limits in Accomack County, Virginia (2026)
Accomack County and the rest of Accomack County, Virginia fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the Mid-Atlantic.
| 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 Accomack County — Accomack County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Fairfax and Loudoun Counties.
How much home can you afford in Accomack County?
With Accomack County's median sale price estimated near $464,000 (think Accomack County), the FHA down payment is roughly $16,240. Factoring Virginia property taxes near 0.82%, expect about $3,444 monthly, pointing to income near $133,000 — above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Accomack County
FHA payments across Accomack County price points — from entry homes near Accomack County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $334,000 | $11,690 | $2,512 |
| Local median — $464,000 | $16,240 | $3,444 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Accomack County too — get notified.
Buyers across Accomack County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $16,240 down payment near Accomack County into little out of pocket.
Multi-unit FHA limits in Accomack County
Accomack County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Accomack County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Accomack County for 2026?
- In Accomack County (Accomack 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 Accomack County with FHA?
- For a median-priced ($464,000) Accomack County home, plan on income around $133,000 at a 31% housing ratio — about $3,444/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Accomack County?
- 3.5% with a 580+ score — roughly $16,240 on a $464,000 Accomack County-area home. Gift funds are allowed.
- Is Accomack County a high-cost FHA area?
- No — Accomack County uses the $541,287 national floor for one unit.