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FHA loans in Shelton, CT

Quick answer

The 2026 FHA loan limit in Shelton, CT (Naugatuck Valley 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 $435,700 median home value, that down payment is about $15,250 and the estimated payment is $3,956/month at 7.18%, which needs roughly $170,000 a year in income.

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

Median household income: $114,739; value-to-income ratio 3.80. Shelton ranks 6 by home value and 16 by population among 35 places in our CT dataset.

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

ItemShelton
Median home value (Census ACS)$435,700
Connecticut median home value$343,200
Down payment (3.5%)$15,250
Loan incl. 1.75% upfront MIP$427,808
Estimated monthly payment (PITI + MI)$3,956
Income needed (28% / 36%)$170,000 / $132,000
Naugatuck Valley 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 Shelton?

Shelton is in Naugatuck Valley Planning Region, a designated high-cost area, 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 $851,000).

The Shelton median home value of $435,700 is 27% above the Connecticut median, and within what the county limit supports.

Which down payment assistance programs can Shelton buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Shelton

Shelton is in Naugatuck Valley 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 $435,700 is about $15,250 with a 580+ credit score (10%, or $43,570, with a 500–579 score), plus closing costs.

At the $435,700 median value (above the Connecticut median of $343,200), the estimated payment of $3,956/month at 7.18% needs about $170,000 a year under the 28% housing guideline, or $132,000 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.