FHA Loan Limits in Clinton County, Iowa (2026)
Clinton County and the rest of Clinton County, Iowa fall under a 2026 one-unit FHA limit of $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 |
Every community in Clinton County — Clinton County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Polk and Linn Counties.
How much home can you afford in Clinton County?
An FHA buyer near Clinton County faces an estimated $213,000 median, a $7,455 down payment, and — after Iowa's 1.52% property tax — a monthly cost around $1,768. That suits household income of roughly $68,000, under Iowa's $70,571 median household income.
FHA payment scenarios in Clinton County
Whether you are buying in Clinton County or a smaller Clinton County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $153,000 | $5,355 | $1,303 |
| Local median — $213,000 | $7,455 | $1,768 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Clinton County too — get notified.
Buyers across Clinton County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,455 down payment near Clinton County into little out of pocket.
Multi-unit FHA limits in Clinton County
Investors and house-hackers in Clinton County and across Clinton County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
Never Miss an FHA Rate Change
Free to join in under 30 seconds. Get notified when it is time to act.
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 Clinton County for 2026?
- In Clinton County (Clinton 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 Clinton County with FHA?
- For a median-priced ($213,000) Clinton County home, plan on income around $68,000 at a 31% housing ratio — about $1,768/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Clinton County?
- 3.5% with a 580+ score — roughly $7,455 on a $213,000 Clinton County-area home. Gift funds are allowed.
- Is Clinton County a high-cost FHA area?
- No — Clinton County uses the $541,287 national floor for one unit.