Requirements
Does FHA have income limits?
Short answer
No income cap. FHA does not disqualify high earners. It also does not require a minimum income beyond what the file actually needs to support the payment.
Plain-English explanation
Some down-payment-assistance programs paired with FHA do have income limits, but those are program rules, not FHA rules.
What can change the answer?
Income type, employment history, debt ratio, reserves, automated underwriting findings, and lender overlays can change the answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Requirements
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.