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2026 FHA Loan Limits in Indiana
FHA loans, insured by the Federal Housing Administration, offer affordable minimum down payments and flexible credit score requirements, making homeownership more accessible to borrowers. However, FHA mortgages have maximum borrowing limits.
The 2026 FHA loan limit for single-family homes in Indiana is $541,287 in all counties. In this guide, learn how FHA limits are set, what qualifications are necessary and how to find an approved lender.
Indiana FHA loan limits by county
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| ADAMS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| ALLEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $249,000 |
| BARTHOLOMEW COU | $541,287 | $693,050 | $837,700 | $1,041,125 | $248,000 |
| BENTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $288,000 |
| BLACKFORD COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $106,000 |
| BOONE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| BROWN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| CARROLL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $288,000 |
| CASS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $155,000 |
| CLARK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $427,000 |
| CLAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $151,000 |
| CLINTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $187,000 |
| CRAWFORD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $128,000 |
| DAVIESS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $128,000 |
| DEARBORN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $380,000 |
| DECATUR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $208,000 |
| DEKALB COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $224,000 |
| DELAWARE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| DUBOIS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $220,000 |
| ELKHART COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $240,000 |
| FAYETTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $120,000 |
| FLOYD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $427,000 |
| FOUNTAIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $172,000 |
| FRANKLIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $380,000 |
| FULTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $159,000 |
| GIBSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $152,000 |
| GRANT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $137,000 |
| GREENE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $136,000 |
| HAMILTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| HANCOCK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| HARRISON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $427,000 |
| HENDRICKS COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| HENRY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $156,000 |
| HOWARD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $168,000 |
| HUNTINGTON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| JACKSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| JASPER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| JAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| JEFFERSON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $185,000 |
| JENNINGS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $170,000 |
| JOHNSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| KNOX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $133,000 |
| KOSCIUSKO COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $223,000 |
| LAGRANGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $266,000 |
| LAKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| LAPORTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $215,000 |
| LAWRENCE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| MADISON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| MARION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| MARSHALL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $219,000 |
| MARTIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $118,000 |
| MIAMI COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| MONROE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $310,000 |
| MONTGOMERY COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $196,000 |
| MORGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| NEWTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| NOBLE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| OHIO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $380,000 |
| ORANGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $129,000 |
| OWEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $310,000 |
| PARKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| PERRY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $164,000 |
| PIKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $122,000 |
| PORTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| POSEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $271,000 |
| PULASKI COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $170,000 |
| PUTNAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $240,000 |
| RANDOLPH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $132,000 |
| RIPLEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $229,000 |
| RUSH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $192,000 |
| SCOTT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $164,000 |
| SHELBY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| SPENCER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $162,000 |
| ST. JOSEPH COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $195,000 |
| STARKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $170,000 |
| STEUBEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $245,000 |
| SULLIVAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $151,000 |
| SWITZERLAND COU | $541,287 | $693,050 | $837,700 | $1,041,125 | $173,000 |
| TIPPECANOE COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $288,000 |
| TIPTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $455,000 |
| UNION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $114,000 |
| VANDERBURGH COU | $541,287 | $693,050 | $837,700 | $1,041,125 | $271,000 |
| VERMILLION COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $151,000 |
| VIGO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $151,000 |
| WABASH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $155,000 |
| WARREN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $288,000 |
| WARRICK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $271,000 |
| WASHINGTON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $427,000 |
| WAYNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $141,000 |
| WELLS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $249,000 |
| WHITE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| WHITLEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $249,000 |
How much is your home purchase price?
$400,000
How are FHA loan limits determined?
The National Housing Act (NHA) requires FHA loan limits to be based on county median home prices and current conforming loan limits.
The lowest and highest FHA loan limits anywhere in the country are known as the “floor” and “ceiling,” respectively:
- The 2026 floor is $541,287, which is 65% of the conforming loan limit
-
The 2026 ceiling is $1,249,125, which is 150% of the conforming limit
In other areas — Alaska, Hawaii, Guam and the U.S. Virgin Islands — an even higher limit of $1,873,687 applies because they are designated special exception areas due to higher housing costs and other factors.
In Indiana, the 2026 FHA loan limit for single-family homes in all counties is $541,287, while higher limits apply to multifamily properties.
How to qualify for an FHA loan in Indiana
To qualify for an FHA loan in Indiana, you must meet specific credit and eligibility standards set by the FHA. You’ll apply for your FHA loan with a private lender who may impose additional requirements.
At a minimum, you’ll need to meet the following qualifications:
- Minimum down payment: The minimum down payment for FHA loans is 3.5% with a 580 or higher credit score. A credit score between 500 and 579 will require at least a 10% down payment.
- Minimum credit score: You can qualify for an FHA loan with a score as low as 500, although you’ll need to put at least 10% down to do so. To make the minimum 3.5% down payment, you’ll need a minimum 580 credit score.
- Maximum DTI ratio: FHA guidelines set the maximum debt-to-income (DTI) ratio (the sum of your monthly debt payments divided by your monthly pretax income) at 43%. However, lenders may approve a higher ratio in some cases.
- Mortgage insurance: You’ll pay two types of mortgage insurance: an upfront premium of 1.75% of the mortgage amount (typically financed with the principal) and an annual mortgage insurance premium of 0.15% to 0.75% of the loan amount.
- Occupancy: You must live in the home as your primary residence for at least one year.
- Employment and income: FHA loans don’t have income restrictions; however, lenders will verify you have at least two years of consistent employment and recurring income.
- Home appraisal: The property must undergo an FHA home appraisal to verify the market value and confirm it meets the FHA’s property standards.
Buying a multifamily property with an FHA loan
The FHA loan program allows borrowers to purchase a multifamily home of two to four units with the same 3.5% minimum down payment as one-unit properties. To qualify, you must meet the standard FHA loan requirements plus these criteria unique to multifamily homes:
- Primary residence occupancy: You must live in one of the units as your primary residence for at least one year, but you are permitted to bring in extra income through renting additional rooms or units (known as house hacking).
- Cash reserves: You’ll need to have three months’ worth of cash reserves on hand if you’re purchasing a three- or four-unit property. For a two-unit property where one unit is an accessory dwelling unit, you’ll need two months’ worth of reserves.
- Rental income: You may be able to use a portion of the estimated rental income to qualify for a multifamily FHA loan.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Indiana
How Does LendingTree Get Paid?
LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 |
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