The average FICO score for homebuyers in 2026 reached an all-time high of approximately , as reported by Intercontinental Exchange (ICE) . While the national average credit score is roughly 715 , the actual score required to purchase a home varies significantly based on the specific loan program you choose. Minimum Credit Score Requirements by Loan Type FHA Loan Requirements in 2026
The average FICO score for homebuyers in 2026 reached an all-time high of approximately , as reported by Intercontinental Exchange (ICE) . While the national average credit score is roughly 715 , the actual score required to purchase a home varies significantly based on the specific loan program you choose. Minimum Credit Score Requirements by Loan Type FHA Loan Requirements in 2026