Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in Seymour, IN

Quick answer

The 2026 FHA loan limit in Seymour, IN (Jackson County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $153,300 median home value, that down payment is about $5,366 and the estimated payment is $1,287/month at 7.18%, which needs roughly $56,000 a year in income.

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

Median household income: $63,388; value-to-income ratio 2.42. Seymour ranks 52 by home value and 48 by population among 85 places in our IN dataset.

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

ItemSeymour
Median home value (Census ACS)$153,300
Indiana median home value$201,600
Down payment (3.5%)$5,366
Loan incl. 1.75% upfront MIP$150,523
Estimated monthly payment (PITI + MI)$1,287
Income needed (28% / 36%)$56,000 / $43,000
Jackson County 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 Indiana's 0.74% effective property tax rate (Census ACS), $1,259/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Seymour?

Seymour is in Jackson County 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 Seymour median home value of $153,300 is 24% below the Indiana median, and within what the county limit supports.

Which down payment assistance programs can Seymour buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

FHA loans in nearby cities

ColumbusMadisonBedfordGreensburgBloomingtonSellersburg

FHA loan FAQs for Seymour

Seymour is in Jackson County, 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 $153,300 is about $5,366 with a 580+ credit score (10%, or $15,330, with a 500–579 score), plus closing costs.

At the $153,300 median value (below the Indiana median of $201,600), the estimated payment of $1,287/month at 7.18% needs about $56,000 a year under the 28% housing guideline, or $43,000 if your total debts stay under 36%.

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

Sources

Data last updated October 23, 2026.

Get matched with FHA lenders in Seymour

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

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.