FHA Loan Limits in Des Moines County, Iowa (2026)
From Des Moines County, FHA buyers in Des Moines 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 Des Moines County, from Des Moines County outward, and sit alongside the limits set for neighboring Polk and Linn Counties.
What can you buy with FHA in Des Moines County?
An FHA buyer near Des Moines County faces an estimated $226,000 median, a $7,910 down payment, and — after Iowa's 1.52% property tax — a monthly cost around $1,869. That suits household income of roughly $72,000, above Iowa's $70,571 median household income, so budget carefully.
FHA payment scenarios in Des Moines County
FHA payments across Des Moines County price points — from entry homes near Des Moines County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $163,000 | $5,705 | $1,381 |
| Local median — $226,000 | $7,910 | $1,869 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Des Moines County too — get notified.
In Des Moines County and the surrounding Des Moines County market, FHA's appeal is the math: $7,910 down on a $226,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Des Moines County
Des Moines County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Des Moines 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 Des Moines County for 2026?
- In Des Moines County (Des Moines 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 Des Moines County with FHA?
- For a median-priced ($226,000) Des Moines County home, plan on income around $72,000 at a 31% housing ratio — about $1,869/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Des Moines County?
- 3.5% with a 580+ score — roughly $7,910 on a $226,000 Des Moines County-area home. Gift funds are allowed.
- Is Des Moines County a high-cost FHA area?
- No — Des Moines County uses the $541,287 national floor for one unit.