FHA Loan Limits in Woodbury County, Iowa (2026)
From Woodbury County, FHA buyers in Woodbury 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 Woodbury County, from Woodbury County outward, and sit alongside the limits set for neighboring Polk and Linn Counties.
What can you buy with FHA in Woodbury County?
Homes around Woodbury County carry an estimated local median near $255,000, so an FHA buyer in Woodbury County puts down about $8,925 (3.5%). With Iowa's 1.52% effective property-tax rate, the all-in payment runs near $2,094 a month — comfortable on household income around $81,000, above Iowa's $70,571 median household income, so budget carefully.
FHA payment scenarios in Woodbury County
Here is what an FHA payment looks like at three Woodbury County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $184,000 | $6,440 | $1,544 |
| Local median — $255,000 | $8,925 | $2,094 |
| At the FHA limit — $541,287 | $18,945 | $4,314 |
Estimates include FHA MIP plus Iowa property taxes and insurance. Rates move daily near Woodbury County too — get notified.
In Woodbury County and the surrounding Woodbury County market, FHA's appeal is the math: $8,925 down on a $255,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Woodbury County
Looking at a duplex or fourplex near Woodbury County? FHA allows up to $692,997 on two units and $1,041,072 on four in Woodbury 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 Woodbury County for 2026?
- In Woodbury County (Woodbury 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 Woodbury County with FHA?
- For a median-priced ($255,000) Woodbury County home, plan on income around $81,000 at a 31% housing ratio — about $2,094/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Woodbury County?
- 3.5% with a 580+ score — roughly $8,925 on a $255,000 Woodbury County-area home. Gift funds are allowed.
- Is Woodbury County a high-cost FHA area?
- No — Woodbury County uses the $541,287 national floor for one unit.