Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in South Yarmouth, MA

Quick answer

The 2026 FHA loan limit in South Yarmouth, MA (Barnstable County) is $828,000 for a single-family home, enough for a purchase price up to about $858,000 with 3.5% down. On the $465,100 median home value, that down payment is about $16,279 and the estimated payment is $3,906/month at 7.18%, which needs roughly $168,000 a year in income.

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

Median household income: $79,638; value-to-income ratio 5.84. South Yarmouth ranks 55 by home value and 85 by population among 89 places in our MA dataset.

What does an FHA loan cost on a typical South Yarmouth home?

ItemSouth Yarmouth
Median home value (Census ACS)$465,100
Massachusetts median home value$525,800
Down payment (3.5%)$16,279
Loan incl. 1.75% upfront MIP$456,676
Estimated monthly payment (PITI + MI)$3,906
Income needed (28% / 36%)$168,000 / $131,000
Barnstable County 2026 FHA limit (1 unit)$828,000
Max purchase price at the limit$858,000

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

Payment includes Massachusetts's 1.11% effective property tax rate (Census ACS), $2,134/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in South Yarmouth?

South Yarmouth is in Barnstable County where HUD's 2026 one-unit FHA limit is $828,000. With the minimum 3.5% down, that caps the purchase price at about $858,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The South Yarmouth median home value of $465,100 is 12% below the Massachusetts median, and within what the county limit supports.

Which down payment assistance programs can South Yarmouth buyers use?

FHA loans in nearby cities

Barnstable TownNantucketNew BedfordBridgewater TownFall RiverTaunton

FHA loan FAQs for South Yarmouth

South Yarmouth is in Barnstable County, where HUD's 2026 FHA limit for a one-unit home is $828,000. With 3.5% down, that supports a purchase price up to about $858,000.

3.5% of $465,100 is about $16,279 with a 580+ credit score (10%, or $46,510, with a 500–579 score), plus closing costs.

At the $465,100 median value (below the Massachusetts median of $525,800), the estimated payment of $3,906/month at 7.18% needs about $168,000 a year under the 28% housing guideline, or $131,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 2 statewide programs are verified for this city (2 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with FHA lenders in South Yarmouth

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.