FHA Loan Limits in Dallas County, Iowa (2026)
From Dallas County, FHA buyers in Dallas County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Dallas County, from Dallas County outward, and sit alongside the limits set for neighboring Polk and Linn Counties.
What can you buy with FHA in Dallas County?
With Dallas County's median sale price estimated near $233,000 (think Dallas County), the FHA down payment is roughly $8,155. Factoring Iowa property taxes near 1.52%, expect about $1,923 monthly, pointing to income near $74,000 — above Iowa's $70,571 median household income, so budget carefully.
FHA payment scenarios in Dallas County
FHA payments across Dallas County price points — from entry homes near Dallas County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $168,000 | $5,880 | $1,419 |
| Local median — $233,000 | $8,155 | $1,923 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Dallas County too — get notified.
In Dallas County and the surrounding Dallas County market, FHA's appeal is the math: $8,155 down on a $233,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Dallas County
Dallas County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Dallas County can live in one unit and rent the rest to offset the mortgage.
FHA Alerts, Free to Your Inbox
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 Dallas County for 2026?
- In Dallas County (Dallas 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 Dallas County with FHA?
- For a median-priced ($233,000) Dallas County home, plan on income around $74,000 at a 31% housing ratio — about $1,923/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Dallas County?
- 3.5% with a 580+ score — roughly $8,155 on a $233,000 Dallas County-area home. Gift funds are allowed.
- Is Dallas County a high-cost FHA area?
- No — Dallas County uses the $541,287 national floor for one unit.