Spencer County, Indiana loan limits 2026
FIPS 18147 · 13 ZIP codes, e.g. 47531, 47536, 47537, 47550, 47552, 47577
In Spencer County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $541,287. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Spencer County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $541,287 | +3.3% |
| 2 units | $1,066,250 | $693,050 | +3.3% |
| 3 units | $1,288,800 | $837,700 | +3.3% |
| 4 units | $1,601,750 | $1,041,125 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages.
HUD income limits FY2026
Area median family income: $99,400 · Spencer County, IN
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $55,650 | $63,600 | $71,550 | $79,500 | $85,900 | $92,250 | $98,600 | $104,950 |
| Very low income (50%) | $34,800 | $39,800 | $44,750 | $49,700 | $53,700 | $57,700 | $61,650 | $65,650 |
| Extremely low income (30%) | $20,900 | $23,850 | $27,320 | $33,000 | $38,680 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $706/mo | $659 | +7.1% |
| 1 bedroom | $775/mo | $729 | +6.3% |
| 2 bedrooms | $1,014/mo | $956 | +6.1% |
| 3 bedrooms | $1,351/mo | $1,330 | +1.6% |
| 4 bedrooms | $1,356/mo | $1,382 | -1.9% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Spencer County, IN.
Other counties in Indiana
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Spencer County, IN for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Spencer County?
$541,287 for a single-family home in 2026 (HUD), up to $1,041,125 for a four-unit property.
What counts as a jumbo loan in Spencer County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Spencer County in 2026.
What are the HUD income limits in Spencer County?
For a family of four (FY2026): low income $79,500, very low income $49,700, extremely low income $33,000; area median family income $99,400.
What is the fair market rent in Spencer County?
$1,014 a month for a two-bedroom unit in FY2027 (HUD), $775 for one bedroom.