Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in Rochester Hills, MI

Quick answer

The 2026 FHA loan limit in Rochester Hills, MI (Oakland 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 $377,400 median home value, that down payment is about $13,209 and the estimated payment is $3,174/month at 7.18%, which needs roughly $137,000 a year in income.

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

Median household income: $119,054; value-to-income ratio 3.17. Rochester Hills ranks 10 by home value and 14 by population among 102 places in our MI dataset.

What does an FHA loan cost on a typical Rochester Hills home?

ItemRochester Hills
Median home value (Census ACS)$377,400
Michigan median home value$217,600
Down payment (3.5%)$13,209
Loan incl. 1.75% upfront MIP$370,564
Estimated monthly payment (PITI + MI)$3,174
Income needed (28% / 36%)$137,000 / $106,000
Oakland 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 Michigan's 1.28% effective property tax rate (Census ACS), $1,110/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Rochester Hills?

Rochester Hills is in Oakland 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 Rochester Hills median home value of $377,400 is 73% above the Michigan median, and within what the county limit supports.

Which down payment assistance programs can Rochester Hills buyers use?

FHA loans in nearby cities

RochesterAuburn HillsTroyPontiacSterling HeightsBirmingham

FHA loan FAQs for Rochester Hills

Rochester Hills is in Oakland 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 $377,400 is about $13,209 with a 580+ credit score (10%, or $37,740, with a 500–579 score), plus closing costs.

At the $377,400 median value (above the Michigan median of $217,600), the estimated payment of $3,174/month at 7.18% needs about $137,000 a year under the 28% housing guideline, or $106,000 if your total debts stay under 36%.

0 city-level, 1 county-level and 1 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 Rochester Hills

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.