FHA Loan Limits in Stafford County, Virginia (2026)
In Stafford County — anchored by Stafford County — the 2026 FHA loan limit for a single-family home 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 Stafford County, from Stafford County outward, and sit alongside the limits set for neighboring Fairfax and Loudoun Counties.
Affording a home in Stafford County & Stafford County
With Stafford County's median sale price estimated near $468,000 (think Stafford County), the FHA down payment is roughly $16,380. Factoring Virginia property taxes near 0.82%, expect about $3,473 monthly, pointing to income near $134,000 — above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Stafford County
Whether you are buying in Stafford County or a smaller Stafford 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 — $337,000 | $11,795 | $2,533 |
| Local median — $468,000 | $16,380 | $3,473 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Stafford County too — get notified.
In Stafford County and the surrounding Stafford County market, FHA's appeal is the math: $16,380 down on a $468,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Stafford County
Investors and house-hackers in Stafford County and across Stafford County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Stafford County for 2026?
- In Stafford County (Stafford 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 Stafford County with FHA?
- For a median-priced ($468,000) Stafford County home, plan on income around $134,000 at a 31% housing ratio — about $3,473/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Stafford County?
- 3.5% with a 580+ score — roughly $16,380 on a $468,000 Stafford County-area home. Gift funds are allowed.
- Is Stafford County a high-cost FHA area?
- No — Stafford County uses the $541,287 national floor for one unit.