FHA Loan Limits in Johnson County, Iowa (2026)
From Johnson County, FHA buyers in Johnson 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 |
From Johnson County to the edges of Johnson County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Polk and Linn Counties.
What can you buy with FHA in Johnson County?
With Johnson County's median sale price estimated near $189,000 (think Johnson County), the FHA down payment is roughly $6,615. Factoring Iowa property taxes near 1.52%, expect about $1,582 monthly, pointing to income near $61,000 — under Iowa's $70,571 median household income.
FHA payment scenarios in Johnson County
FHA payments across Johnson County price points — from entry homes near Johnson County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $136,000 | $4,760 | $1,171 |
| Local median — $189,000 | $6,615 | $1,582 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Johnson County too — get notified.
First-time buyers make up much of FHA activity in Johnson County and across Johnson County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $6,615 needed on a median Johnson County home.
Multi-unit FHA limits in Johnson County
Johnson County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Johnson 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 Johnson County for 2026?
- In Johnson County (Johnson 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 Johnson County with FHA?
- For a median-priced ($189,000) Johnson County home, plan on income around $61,000 at a 31% housing ratio — about $1,582/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Johnson County?
- 3.5% with a 580+ score — roughly $6,615 on a $189,000 Johnson County-area home. Gift funds are allowed.
- Is Johnson County a high-cost FHA area?
- No — Johnson County uses the $541,287 national floor for one unit.