Loan Limits / Indiana / Lagrange County
2026 Loan Limits · Indiana · NON-METRO
Lagrange County, IN.
2026 conforming and FHA loan limits, calibrated to a median sales price of $266,000.
Median Sales Price
$266,000
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 Lagrange County
LaGrange County is a county located in the U.S. state of Indiana. As of 2020, the population was 40,446. The county seat is LaGrange, Indiana. The county is located in the Northern Indiana region known as Michiana and is about 55 miles (89 km) east of South Bend, 105 miles (169 km) west of Toledo, Ohio, and 175 miles (282 km) northeast of Indianapolis. The area is well known for its large Amish population. For that reason, the county teams up with neighboring Elkhart County to promote tourism by referring to the area as Northern Indiana Amish Country. About half of LaGrange County is Amish, and it is home to the third-largest Amish community in the United States, which belongs to the Elkhart-LaGrange Amish affiliation. Read more on Wikipedia →
Population
40,596
U.S. Census ACS 2023
Median Household Income
$83,741
U.S. Census ACS 2023
Median Home Value (Census)
$249,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
82%
Of occupied housing
What these limits mean for buyers in Lagrange County
The 2026 conforming 1-unit limit for Lagrange 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. Lagrange 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 Lagrange County at $266,000. This matches the FHA national floor — Lagrange County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Lagrange County ($266,000) 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
Lagrange 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 Lagrange County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.