FHA Loan Limits in Scott County, Iowa (2026)
From Scott County, FHA buyers in Scott County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Scott County, from Scott County outward, and sit alongside the limits set for neighboring Polk and Linn Counties.
What can you buy with FHA in Scott County?
With Scott County's median sale price estimated near $230,000 (think Scott County), the FHA down payment is roughly $8,050. Factoring Iowa property taxes near 1.52%, expect about $1,900 monthly, pointing to income near $74,000 — above Iowa's $70,571 median household income, so budget carefully.
FHA payment scenarios in Scott County
FHA payments across Scott County price points — from entry homes near Scott County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $166,000 | $5,810 | $1,404 |
| Local median — $230,000 | $8,050 | $1,900 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Scott County too — get notified.
In Scott County and the surrounding Scott County market, FHA's appeal is the math: $8,050 down on a $230,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Scott County
Scott County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Scott 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 Scott County for 2026?
- In Scott County (Scott 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 Scott County with FHA?
- For a median-priced ($230,000) Scott County home, plan on income around $74,000 at a 31% housing ratio — about $1,900/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Scott County?
- 3.5% with a 580+ score — roughly $8,050 on a $230,000 Scott County-area home. Gift funds are allowed.
- Is Scott County a high-cost FHA area?
- No — Scott County uses the $541,287 national floor for one unit.