FHA Loan Limits in Black Hawk County, Iowa (2026)
Buying in Black Hawk County or elsewhere in Black Hawk County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Midwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Black Hawk County to the edges of Black Hawk County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Polk and Linn Counties.
FHA affordability around Black Hawk County
An FHA buyer near Black Hawk County faces an estimated $198,000 median, a $6,930 down payment, and — after Iowa's 1.52% property tax — a monthly cost around $1,652. That suits household income of roughly $64,000, under Iowa's $70,571 median household income.
FHA payment scenarios in Black Hawk County
FHA payments across Black Hawk County price points — from entry homes near Black Hawk County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $143,000 | $5,005 | $1,226 |
| Local median — $198,000 | $6,930 | $1,652 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Black Hawk County too — get notified.
First-time buyers make up much of FHA activity in Black Hawk County and across Black Hawk County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $6,930 needed on a median Black Hawk County home.
Multi-unit FHA limits in Black Hawk County
Black Hawk County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Black Hawk County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Black Hawk County for 2026?
- In Black Hawk County (Black Hawk County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Black Hawk County with FHA?
- For a median-priced ($198,000) Black Hawk County home, plan on income around $64,000 at a 31% housing ratio — about $1,652/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Black Hawk County?
- 3.5% with a 580+ score — roughly $6,930 on a $198,000 Black Hawk County-area home. Gift funds are allowed.
- Is Black Hawk County a high-cost FHA area?
- No — Black Hawk County uses the $541,287 national floor for one unit.