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FHA loans in Meriden, CT

Quick answer

The 2026 FHA loan limit in Meriden, CT (South Central Connecticut Planning Region) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $221,600 median home value, that down payment is about $7,756 and the estimated payment is $2,096/month at 7.18%, which needs roughly $90,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $68,617; value-to-income ratio 3.23. Meriden ranks 28 by home value and 11 by population among 35 places in our CT dataset.

What does an FHA loan cost on a typical Meriden home?

ItemMeriden
Median home value (Census ACS)$221,600
Connecticut median home value$343,200
Down payment (3.5%)$7,756
Loan incl. 1.75% upfront MIP$217,586
Estimated monthly payment (PITI + MI)$2,096
Income needed (28% / 36%)$90,000 / $70,000
South Central Connecticut Planning Region 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Connecticut's 1.92% effective property tax rate (Census ACS), $2,036/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Meriden?

Meriden is in South Central Connecticut Planning Region where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Meriden median home value of $221,600 is 35% below the Connecticut median, and within what the county limit supports.

Which down payment assistance programs can Meriden buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Meriden

Meriden is in South Central Connecticut Planning Region, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $221,600 is about $7,756 with a 580+ credit score (10%, or $22,160, with a 500–579 score), plus closing costs.

At the $221,600 median value (below the Connecticut median of $343,200), the estimated payment of $2,096/month at 7.18% needs about $90,000 a year under the 28% housing guideline, or $70,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.