Loan Limits / Indiana / Adams County
2026 Loan Limits · Indiana · DECATUR, IN
Adams County, IN.
2026 conforming and FHA loan limits, calibrated to a median sales price of $180,000.
Median Sales Price
$180,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Adams County
Adams County lies in northeastern Indiana in the United States and shares its eastern border with Ohio. It was officially established in 1836. The county seat is Decatur. According to the 2020 census, its population was 35,809, an increase of 4.1% from 34,387 in 2010. The county has four incorporated cities and towns with a total population of over 15,000, as well as many small unincorporated communities. The county is divided into 12 townships which provide local services. There are four Indiana state roads in the county, as well as three U.S. Routes and one railroad line. In 2017, about a quarter of the county's population was Swiss Amish that settled in the Southern half of the county around Berne. Read more on Wikipedia →
Population
35,995
U.S. Census ACS 2023
Median Household Income
$63,128
U.S. Census ACS 2023
Median Home Value (Census)
$173,100
Owner-occupied · ACS 2023
Owner-Occupancy Rate
82%
Of occupied housing
What these limits mean for buyers in Adams County
The 2026 conforming 1-unit limit for Adams County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Adams County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Adams County at $180,000. This matches the FHA national floor — Adams County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Adams County ($180,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Adams County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Adams County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.