FHA Loan Limits in Alexandria County, Virginia (2026)
In Alexandria County — anchored by Alexandria County — the 2026 FHA loan limit for a single-family home is $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
Every community in Alexandria County — Alexandria County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Fairfax and Loudoun Counties.
Affording a home in Alexandria County & Alexandria County
With Alexandria County's median sale price estimated near $640,000 (think Alexandria County), the FHA down payment is roughly $22,400. Factoring Virginia property taxes near 0.82%, expect about $4,706 monthly, pointing to income near $182,000 — above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Alexandria County
Here is what an FHA payment looks like at three Alexandria County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $461,000 | $16,135 | $3,423 |
| Local median — $640,000 | $22,400 | $4,706 |
| At the FHA limit — $1,249,125 | $43,719 | $9,074 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Alexandria County too — get notified.
Buyers across Alexandria County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $22,400 down payment near Alexandria County into little out of pocket.
Multi-unit FHA limits in Alexandria County
Looking at a duplex or fourplex near Alexandria County? FHA allows up to $1,599,225 on two units and $2,402,475 on four in Alexandria 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 Alexandria County for 2026?
- In Alexandria County (Alexandria County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Alexandria County with FHA?
- For a median-priced ($640,000) Alexandria County home, plan on income around $182,000 at a 31% housing ratio — about $4,706/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Alexandria County?
- 3.5% with a 580+ score — roughly $22,400 on a $640,000 Alexandria County-area home. Gift funds are allowed.
- Is Alexandria County a high-cost FHA area?
- Yes — Alexandria County's $1,249,125 one-unit limit tops the $541,287 national floor.