FHA Loan Limits in Pottawattamie County, Iowa (2026)
In Pottawattamie County — anchored by Pottawattamie County — the 2026 FHA loan limit for a single-family home 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 |
These 2026 limits apply throughout Pottawattamie County, from Pottawattamie County outward, and sit alongside the limits set for neighboring Polk and Linn Counties.
Affording a home in Pottawattamie County & Pottawattamie County
Homes around Pottawattamie County carry an estimated local median near $198,000, so an FHA buyer in Pottawattamie County puts down about $6,930 (3.5%). With Iowa's 1.52% effective property-tax rate, the all-in payment runs near $1,652 a month — comfortable on household income around $64,000, under Iowa's $70,571 median household income.
FHA payment scenarios in Pottawattamie County
FHA payments across Pottawattamie County price points — from entry homes near Pottawattamie County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $143,000 | $5,005 | $1,226 |
| Local median — $198,000 | $6,930 | $1,652 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Pottawattamie County too — get notified.
In Pottawattamie County and the surrounding Pottawattamie County market, FHA's appeal is the math: $6,930 down on a $198,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Pottawattamie County
Pottawattamie County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Pottawattamie 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 Pottawattamie County for 2026?
- In Pottawattamie County (Pottawattamie 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 Pottawattamie County with FHA?
- For a median-priced ($198,000) Pottawattamie County home, plan on income around $64,000 at a 31% housing ratio — about $1,652/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pottawattamie County?
- 3.5% with a 580+ score — roughly $6,930 on a $198,000 Pottawattamie County-area home. Gift funds are allowed.
- Is Pottawattamie County a high-cost FHA area?
- No — Pottawattamie County uses the $541,287 national floor for one unit.