FHA Loan Limits in Iowa (2026)
For 2026, the FHA loan limit in most Iowa counties is $541,287 for a single-family home. Iowa has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Iowa
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Polk County | $541,287 | $692,997 | $1,041,072 | Standard |
| Johnson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Black Hawk County | $541,287 | $692,997 | $1,041,072 | Standard |
| Woodbury County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dubuque County | $541,287 | $692,997 | $1,041,072 | Standard |
| Story County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dallas County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pottawattamie County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cerro Gordo County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clinton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Muscatine County | $541,287 | $692,997 | $1,041,072 | Standard |
| Marshall County | $541,287 | $692,997 | $1,041,072 | Standard |
| Warren County | $541,287 | $692,997 | $1,041,072 | Standard |
| Des Moines County | $541,287 | $692,997 | $1,041,072 | Standard |
| Webster County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wapello County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sioux County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jasper County | $541,287 | $692,997 | $1,041,072 | Standard |
| Marion County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bremer County | $541,287 | $692,997 | $1,041,072 | Standard |
| Boone County | $541,287 | $692,997 | $1,041,072 | Standard |
| Clay County | $541,287 | $692,997 | $1,041,072 | Standard |
| Buena Vista County | $541,287 | $692,997 | $1,041,072 | Standard |
| Henry County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jackson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Carroll County | $541,287 | $692,997 | $1,041,072 | Standard |
| Fayette County | $541,287 | $692,997 | $1,041,072 | Standard |
| Linn County | $541,287 | $692,997 | $1,041,072 | Standard |
| Scott County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Iowa
FHA loans are popular with first-time buyers in Iowa because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Iowa for 2026?
- Most Iowa counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Iowa?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.