FHA Loan Limits in Arlington County, Virginia (2026)
From Arlington County, FHA buyers in Arlington County can finance a one-unit home up to $1,249,125 with 3.5% down in 2026. 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 |
From Arlington County to the edges of Arlington County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Fairfax and Loudoun Counties.
What can you buy with FHA in Arlington County?
An FHA buyer near Arlington County faces an estimated $790,000 median, a $27,650 down payment, and — after Virginia's 0.82% property tax — a monthly cost around $5,782. That suits household income of roughly $224,000, above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Arlington County
Here is what an FHA payment looks like at three Arlington County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $569,000 | $19,915 | $4,197 |
| Local median — $790,000 | $27,650 | $5,782 |
| 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 Arlington County too — get notified.
First-time buyers make up much of FHA activity in Arlington County and across Arlington County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $27,650 needed on a median Arlington County home.
Multi-unit FHA limits in Arlington County
Looking at a duplex or fourplex near Arlington County? FHA allows up to $1,599,225 on two units and $2,402,475 on four in Arlington 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 Arlington County for 2026?
- In Arlington County (Arlington 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 Arlington County with FHA?
- For a median-priced ($790,000) Arlington County home, plan on income around $224,000 at a 31% housing ratio — about $5,782/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Arlington County?
- 3.5% with a 580+ score — roughly $27,650 on a $790,000 Arlington County-area home. Gift funds are allowed.
- Is Arlington County a high-cost FHA area?
- Yes — Arlington County's $1,249,125 one-unit limit tops the $541,287 national floor.