FHA Loan Limits in Linn County, Iowa (2026)
Linn County and the rest of Linn 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 Linn County, from Linn County outward, and sit alongside the limits set for neighboring Polk and Scott Counties.
How much home can you afford in Linn County?
With Linn County's median sale price estimated near $250,000 (think Linn County), the FHA down payment is roughly $8,750. Factoring Iowa property taxes near 1.52%, expect about $2,055 monthly, pointing to income near $80,000 — above Iowa's $70,571 median household income, so budget carefully.
FHA payment scenarios in Linn County
Here is what an FHA payment looks like at three Linn County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $180,000 | $6,300 | $1,512 |
| Local median — $250,000 | $8,750 | $2,055 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Linn County too — get notified.
In Linn County and the surrounding Linn County market, FHA's appeal is the math: $8,750 down on a $250,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Linn County
Looking at a duplex or fourplex near Linn County? FHA allows up to $692,997 on two units and $1,041,072 on four in Linn County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Linn County for 2026?
- In Linn County (Linn 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 Linn County with FHA?
- For a median-priced ($250,000) Linn County home, plan on income around $80,000 at a 31% housing ratio — about $2,055/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Linn County?
- 3.5% with a 580+ score — roughly $8,750 on a $250,000 Linn County-area home. Gift funds are allowed.
- Is Linn County a high-cost FHA area?
- No — Linn County uses the $541,287 national floor for one unit.