Loan Limits / Indiana / Blackford County
2026 Loan Limits · Indiana · NON-METRO
Blackford County, IN.
2026 conforming and FHA loan limits, calibrated to a median sales price of $106,000.
Median Sales Price
$106,000
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 Blackford County
Blackford County is located in the east central portion of the U.S. state of Indiana. The county is named for Judge Isaac Blackford, who was the first speaker of the Indiana General Assembly and a long-time chief justice of the Indiana Supreme Court. Created in 1838, Blackford County is divided into four townships, and its county seat is Hartford City. Two incorporated cities and one incorporated town are located within the county. The county is also the site of numerous unincorporated communities and ghost towns. Occupying only 165.58 square miles (428.9 km2), Blackford County is the fourth smallest county in Indiana. As of the 2020 census, the county's population was 12,112. Based on population, the county is the 8th smallest county of the 92 in Indiana. Although no interstate highways are located in Blackford County, three Indiana state roads cross the county, and an additional state road is located along the county's southeast border. The county has two railroad lines. A north–south route crosses the county, and intersects with a second railroad line that connects Hartford City with communities to the west. Read more on Wikipedia →
Population
12,007
U.S. Census ACS 2023
Median Household Income
$47,560
U.S. Census ACS 2023
Median Home Value (Census)
$96,700
Owner-occupied · ACS 2023
Owner-Occupancy Rate
74%
Of occupied housing
What these limits mean for buyers in Blackford County
The 2026 conforming 1-unit limit for Blackford 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. Blackford 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 Blackford County at $106,000. This matches the FHA national floor — Blackford County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Blackford County ($106,000) 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
Blackford 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 Blackford County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.