FHA Loan Limits in Webster County, Iowa (2026)
Buying in Webster County or elsewhere in Webster 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 |
These 2026 limits apply throughout Webster County, from Webster County outward, and sit alongside the limits set for neighboring Polk and Linn Counties.
FHA affordability around Webster County
An FHA buyer near Webster County faces an estimated $213,000 median, a $7,455 down payment, and — after Iowa's 1.52% property tax — a monthly cost around $1,768. That suits household income of roughly $68,000, under Iowa's $70,571 median household income.
FHA payment scenarios in Webster County
Whether you are buying in Webster County or a smaller Webster 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 — $153,000 | $5,355 | $1,303 |
| Local median — $213,000 | $7,455 | $1,768 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Webster County too — get notified.
In Webster County and the surrounding Webster County market, FHA's appeal is the math: $7,455 down on a $213,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Webster County
Investors and house-hackers in Webster County and across Webster 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 Webster County for 2026?
- In Webster County (Webster 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 Webster County with FHA?
- For a median-priced ($213,000) Webster County home, plan on income around $68,000 at a 31% housing ratio — about $1,768/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Webster County?
- 3.5% with a 580+ score — roughly $7,455 on a $213,000 Webster County-area home. Gift funds are allowed.
- Is Webster County a high-cost FHA area?
- No — Webster County uses the $541,287 national floor for one unit.