FHA Loan Limits in Henry County, Iowa (2026)
In Henry County — anchored by Henry County — the 2026 FHA loan limit for a single-family home 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 |
Every community in Henry County — Henry County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Polk and Linn Counties.
Affording a home in Henry County & Henry County
An FHA buyer near Henry 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 Henry County
FHA payments across Henry County price points — from entry homes near Henry County to the county's FHA limit (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 Henry County too — get notified.
Buyers across Henry County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,455 down payment near Henry County into little out of pocket.
Multi-unit FHA limits in Henry County
Henry County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Henry 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 Henry County for 2026?
- In Henry County (Henry 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 Henry County with FHA?
- For a median-priced ($213,000) Henry 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 Henry County?
- 3.5% with a 580+ score — roughly $7,455 on a $213,000 Henry County-area home. Gift funds are allowed.
- Is Henry County a high-cost FHA area?
- No — Henry County uses the $541,287 national floor for one unit.