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FHA loans in Wethersfield, CT

Quick answer

The 2026 FHA loan limit in Wethersfield, CT (Capitol 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 $300,500 median home value, that down payment is about $10,518 and the estimated payment is $2,781/month at 7.18%, which needs roughly $120,000 a year in income.

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

Median household income: $118,523; value-to-income ratio 2.54. Wethersfield ranks 13 by home value and 24 by population among 35 places in our CT dataset.

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

ItemWethersfield
Median home value (Census ACS)$300,500
Connecticut median home value$343,200
Down payment (3.5%)$10,518
Loan incl. 1.75% upfront MIP$295,057
Estimated monthly payment (PITI + MI)$2,781
Income needed (28% / 36%)$120,000 / $93,000
Capitol 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 Wethersfield?

Wethersfield is in Capitol 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 Wethersfield median home value of $300,500 is 12% below the Connecticut median, and within what the county limit supports.

Which down payment assistance programs can Wethersfield buyers use?

FHA loans in nearby cities

NewingtonHartfordEast HartfordWest HartfordNew BritainManchester

FHA loan FAQs for Wethersfield

Wethersfield is in Capitol 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 $300,500 is about $10,518 with a 580+ credit score (10%, or $30,050, with a 500–579 score), plus closing costs.

At the $300,500 median value (below the Connecticut median of $343,200), the estimated payment of $2,781/month at 7.18% needs about $120,000 a year under the 28% housing guideline, or $93,000 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.