FHA Loan Limits in Polk County, Iowa (2026)
Buying in Polk County or elsewhere in Polk 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 |
From Polk County to the edges of Polk County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Linn and Scott Counties.
FHA affordability around Polk County
An FHA buyer near Polk County faces an estimated $290,000 median, a $10,150 down payment, and — after Iowa's 1.52% property tax — a monthly cost around $2,366. That suits household income of roughly $92,000, above Iowa's $70,571 median household income, so budget carefully.
FHA payment scenarios in Polk County
Whether you are buying in Polk County or a smaller Polk 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 — $209,000 | $7,315 | $1,737 |
| Local median — $290,000 | $10,150 | $2,366 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Polk County too — get notified.
First-time buyers make up much of FHA activity in Polk County and across Polk County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,150 needed on a median Polk County home.
Multi-unit FHA limits in Polk County
Investors and house-hackers in Polk County and across Polk 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 Polk County for 2026?
- In Polk County (Polk 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 Polk County with FHA?
- For a median-priced ($290,000) Polk County home, plan on income around $92,000 at a 31% housing ratio — about $2,366/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Polk County?
- 3.5% with a 580+ score — roughly $10,150 on a $290,000 Polk County-area home. Gift funds are allowed.
- Is Polk County a high-cost FHA area?
- No — Polk County uses the $541,287 national floor for one unit.