FHA Loan Limits in Fayette County, Iowa (2026)
Buying in Fayette County or elsewhere in Fayette 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 Fayette County, from Fayette County outward, and sit alongside the limits set for neighboring Polk and Linn Counties.
FHA affordability around Fayette County
With Fayette County's median sale price estimated near $228,000 (think Fayette County), the FHA down payment is roughly $7,980. Factoring Iowa property taxes near 1.52%, expect about $1,885 monthly, pointing to income near $73,000 — above Iowa's $70,571 median household income, so budget carefully.
FHA payment scenarios in Fayette County
Whether you are buying in Fayette County or a smaller Fayette 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 — $164,000 | $5,740 | $1,388 |
| Local median — $228,000 | $7,980 | $1,885 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Fayette County too — get notified.
In Fayette County and the surrounding Fayette County market, FHA's appeal is the math: $7,980 down on a $228,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Fayette County
Investors and house-hackers in Fayette County and across Fayette 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 Fayette County for 2026?
- In Fayette County (Fayette 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 Fayette County with FHA?
- For a median-priced ($228,000) Fayette County home, plan on income around $73,000 at a 31% housing ratio — about $1,885/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Fayette County?
- 3.5% with a 580+ score — roughly $7,980 on a $228,000 Fayette County-area home. Gift funds are allowed.
- Is Fayette County a high-cost FHA area?
- No — Fayette County uses the $541,287 national floor for one unit.