FHA Loan Limits in Pittsylvania County, Virginia (2026)
Pittsylvania County and the rest of Pittsylvania 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 |
From Pittsylvania County to the edges of Pittsylvania County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Fairfax and Loudoun Counties.
How much home can you afford in Pittsylvania County?
An FHA buyer near Pittsylvania County faces an estimated $390,000 median, a $13,650 down payment, and — after Virginia's 0.82% property tax — a monthly cost around $2,913. That suits household income of roughly $113,000, above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Pittsylvania County
Here is what an FHA payment looks like at three Pittsylvania County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $281,000 | $9,835 | $2,132 |
| Local median — $390,000 | $13,650 | $2,913 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Pittsylvania County too — get notified.
First-time buyers make up much of FHA activity in Pittsylvania County and across Pittsylvania County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,650 needed on a median Pittsylvania County home.
Multi-unit FHA limits in Pittsylvania County
Looking at a duplex or fourplex near Pittsylvania County? FHA allows up to $692,997 on two units and $1,041,072 on four in Pittsylvania 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 Pittsylvania County for 2026?
- In Pittsylvania County (Pittsylvania 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 Pittsylvania County with FHA?
- For a median-priced ($390,000) Pittsylvania County home, plan on income around $113,000 at a 31% housing ratio — about $2,913/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pittsylvania County?
- 3.5% with a 580+ score — roughly $13,650 on a $390,000 Pittsylvania County-area home. Gift funds are allowed.
- Is Pittsylvania County a high-cost FHA area?
- No — Pittsylvania County uses the $541,287 national floor for one unit.