FHA Loan Limits in Tazewell County, Virginia (2026)
Tazewell County and the rest of Tazewell 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 Tazewell County to the edges of Tazewell 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 Tazewell County?
With Tazewell County's median sale price estimated near $398,000 (think Tazewell County), the FHA down payment is roughly $13,930. Factoring Virginia property taxes near 0.82%, expect about $2,971 monthly, pointing to income near $115,000 — above Virginia's $87,249 median household income, so budget carefully.
FHA payment scenarios in Tazewell County
FHA payments across Tazewell County price points — from entry homes near Tazewell County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $287,000 | $10,045 | $2,175 |
| Local median — $398,000 | $13,930 | $2,971 |
| At the FHA limit — $541,287 | $18,945 | $3,998 |
Estimates include FHA MIP plus Virginia property taxes and insurance. Rates move daily near Tazewell County too — get notified.
First-time buyers make up much of FHA activity in Tazewell County and across Tazewell County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,930 needed on a median Tazewell County home.
Multi-unit FHA limits in Tazewell County
Tazewell County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Tazewell 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 Tazewell County for 2026?
- In Tazewell County (Tazewell 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 Tazewell County with FHA?
- For a median-priced ($398,000) Tazewell County home, plan on income around $115,000 at a 31% housing ratio — about $2,971/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Tazewell County?
- 3.5% with a 580+ score — roughly $13,930 on a $398,000 Tazewell County-area home. Gift funds are allowed.
- Is Tazewell County a high-cost FHA area?
- No — Tazewell County uses the $541,287 national floor for one unit.