FHA Loan Limits in Dubuque County, Iowa (2026)
Dubuque County and the rest of Dubuque 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 |
These 2026 limits apply throughout Dubuque County, from Dubuque County outward, and sit alongside the limits set for neighboring Polk and Linn Counties.
How much home can you afford in Dubuque County?
With Dubuque County's median sale price estimated near $257,000 (think Dubuque County), the FHA down payment is roughly $8,995. Factoring Iowa property taxes near 1.52%, expect about $2,110 monthly, pointing to income near $82,000 — above Iowa's $70,571 median household income, so budget carefully.
FHA payment scenarios in Dubuque County
Whether you are buying in Dubuque County or a smaller Dubuque 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 — $185,000 | $6,475 | $1,551 |
| Local median — $257,000 | $8,995 | $2,110 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Dubuque County too — get notified.
In Dubuque County and the surrounding Dubuque County market, FHA's appeal is the math: $8,995 down on a $257,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Dubuque County
Investors and house-hackers in Dubuque County and across Dubuque 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.
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Frequently Asked Questions
- What is the FHA loan limit in Dubuque County for 2026?
- In Dubuque County (Dubuque 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 Dubuque County with FHA?
- For a median-priced ($257,000) Dubuque County home, plan on income around $82,000 at a 31% housing ratio — about $2,110/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Dubuque County?
- 3.5% with a 580+ score — roughly $8,995 on a $257,000 Dubuque County-area home. Gift funds are allowed.
- Is Dubuque County a high-cost FHA area?
- No — Dubuque County uses the $541,287 national floor for one unit.