FHA Loan Limits in Marion County, Iowa (2026)
Buying in Marion County or elsewhere in Marion 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 |
Every community in Marion County — Marion County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Polk and Linn Counties.
FHA affordability around Marion County
Homes around Marion County carry an estimated local median near $261,000, so an FHA buyer in Marion County puts down about $9,135 (3.5%). With Iowa's 1.52% effective property-tax rate, the all-in payment runs near $2,141 a month — comfortable on household income around $83,000, above Iowa's $70,571 median household income, so budget carefully.
FHA payment scenarios in Marion County
Whether you are buying in Marion County or a smaller Marion 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 — $188,000 | $6,580 | $1,575 |
| Local median — $261,000 | $9,135 | $2,141 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Marion County too — get notified.
Buyers across Marion County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,135 down payment near Marion County into little out of pocket.
Multi-unit FHA limits in Marion County
Investors and house-hackers in Marion County and across Marion 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 Marion County for 2026?
- In Marion County (Marion 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 Marion County with FHA?
- For a median-priced ($261,000) Marion County home, plan on income around $83,000 at a 31% housing ratio — about $2,141/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Marion County?
- 3.5% with a 580+ score — roughly $9,135 on a $261,000 Marion County-area home. Gift funds are allowed.
- Is Marion County a high-cost FHA area?
- No — Marion County uses the $541,287 national floor for one unit.