Average Fico Score To Buy A House May 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