FHA Loan Limits in Roanoke County, Virginia (2026)
Buying in Roanoke County or elsewhere in Roanoke County? The 2026 FHA single-family limit across the county is $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 |
These 2026 limits apply throughout Roanoke County, from Roanoke County outward, and sit alongside the limits set for neighboring Fairfax and Loudoun Counties.
FHA affordability around Roanoke County
With Roanoke County's median sale price estimated near $355,000 (think Roanoke County), the FHA down payment is roughly $12,425. Factoring Virginia property taxes near 0.82%, expect about $2,662 monthly, pointing to income near $103,000 — above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Roanoke County
FHA payments across Roanoke County price points — from entry homes near Roanoke County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $256,000 | $8,960 | $1,953 |
| Local median — $355,000 | $12,425 | $2,662 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Roanoke County too — get notified.
In Roanoke County and the surrounding Roanoke County market, FHA's appeal is the math: $12,425 down on a $355,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Roanoke County
Roanoke County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Roanoke 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 Roanoke County for 2026?
- In Roanoke County (Roanoke 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 Roanoke County with FHA?
- For a median-priced ($355,000) Roanoke County home, plan on income around $103,000 at a 31% housing ratio — about $2,662/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Roanoke County?
- 3.5% with a 580+ score — roughly $12,425 on a $355,000 Roanoke County-area home. Gift funds are allowed.
- Is Roanoke County a high-cost FHA area?
- No — Roanoke County uses the $541,287 national floor for one unit.