FHA Loan Limits in Marshall County, Iowa (2026)
Buying in Marshall County or elsewhere in Marshall 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 Marshall County — Marshall County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Polk and Linn Counties.
FHA affordability around Marshall County
An FHA buyer near Marshall County faces an estimated $261,000 median, a $9,135 down payment, and — after Iowa's 1.52% property tax — a monthly cost around $2,141. That suits household income of roughly $83,000, above Iowa's $70,571 median household income, so budget carefully.
FHA payment scenarios in Marshall County
Here is what an FHA payment looks like at three Marshall County budgets, all with 3.5% down at a 6.25% example 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 Marshall County too — get notified.
Buyers across Marshall County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,135 down payment near Marshall County into little out of pocket.
Multi-unit FHA limits in Marshall County
Looking at a duplex or fourplex near Marshall County? FHA allows up to $692,997 on two units and $1,041,072 on four in Marshall 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 Marshall County for 2026?
- In Marshall County (Marshall 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 Marshall County with FHA?
- For a median-priced ($261,000) Marshall 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 Marshall County?
- 3.5% with a 580+ score — roughly $9,135 on a $261,000 Marshall County-area home. Gift funds are allowed.
- Is Marshall County a high-cost FHA area?
- No — Marshall County uses the $541,287 national floor for one unit.