FHA Loan Limits in Fairfax County, Virginia (2026)
In Fairfax County — anchored by Fairfax 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 |
These 2026 limits apply throughout Fairfax County, from Fairfax County outward, and sit alongside the limits set for neighboring Loudoun and Prince William Counties.
Affording a home in Fairfax County & Fairfax County
An FHA buyer near Fairfax County faces an estimated $690,000 median, a $24,150 down payment, and — after Virginia's 0.82% property tax — a monthly cost around $5,065. That suits household income of roughly $196,000, above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Fairfax County
Whether you are buying in Fairfax County or a smaller Fairfax County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $497,000 | $17,395 | $3,681 |
| Local median — $690,000 | $24,150 | $5,065 |
| 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 Fairfax County too — get notified.
In Fairfax County and the surrounding Fairfax County market, FHA's appeal is the math: $24,150 down on a $690,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Fairfax County
Investors and house-hackers in Fairfax County and across Fairfax County can finance 2-4 unit homes with FHA at just 3.5% down: $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Fairfax County for 2026?
- In Fairfax County (Fairfax 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 Fairfax County with FHA?
- For a median-priced ($690,000) Fairfax County home, plan on income around $196,000 at a 31% housing ratio — about $5,065/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Fairfax County?
- 3.5% with a 580+ score — roughly $24,150 on a $690,000 Fairfax County-area home. Gift funds are allowed.
- Is Fairfax County a high-cost FHA area?
- Yes — Fairfax County's $1,249,125 one-unit limit tops the $541,287 national floor.