FHA Loan Limits in Cerro Gordo County, Iowa (2026)
Buying in Cerro Gordo County or elsewhere in Cerro Gordo 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 |
These 2026 limits apply throughout Cerro Gordo County, from Cerro Gordo County outward, and sit alongside the limits set for neighboring Polk and Linn Counties.
FHA affordability around Cerro Gordo County
An FHA buyer near Cerro Gordo County faces an estimated $252,000 median, a $8,820 down payment, and — after Iowa's 1.52% property tax — a monthly cost around $2,071. That suits household income of roughly $80,000, above Iowa's $70,571 median household income, so budget carefully.
FHA payment scenarios in Cerro Gordo County
Here is what an FHA payment looks like at three Cerro Gordo County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $181,000 | $6,335 | $1,520 |
| Local median — $252,000 | $8,820 | $2,071 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Cerro Gordo County too — get notified.
In Cerro Gordo County and the surrounding Cerro Gordo County market, FHA's appeal is the math: $8,820 down on a $252,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Cerro Gordo County
Looking at a duplex or fourplex near Cerro Gordo County? FHA allows up to $692,997 on two units and $1,041,072 on four in Cerro Gordo County, with the same low 3.5% down for owner-occupants.
Never Miss an FHA Rate Change
Join the free FHA Notification Program — we watch rates, requirements, and new programs so you do not have to.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Cerro Gordo County for 2026?
- In Cerro Gordo County (Cerro Gordo 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 Cerro Gordo County with FHA?
- For a median-priced ($252,000) Cerro Gordo County home, plan on income around $80,000 at a 31% housing ratio — about $2,071/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cerro Gordo County?
- 3.5% with a 580+ score — roughly $8,820 on a $252,000 Cerro Gordo County-area home. Gift funds are allowed.
- Is Cerro Gordo County a high-cost FHA area?
- No — Cerro Gordo County uses the $541,287 national floor for one unit.