FHA Loan Limits in Kansas (2026)
For 2026, the FHA loan limit in most Kansas counties is $541,287 for a single-family home. Kansas has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Kansas
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Johnson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sedgwick County | $541,287 | $692,997 | $1,041,072 | Standard |
| Shawnee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Leavenworth County | $541,287 | $692,997 | $1,041,072 | Standard |
| Riley County | $541,287 | $692,997 | $1,041,072 | Standard |
| Butler County | $541,287 | $692,997 | $1,041,072 | Standard |
| Reno County | $541,287 | $692,997 | $1,041,072 | Standard |
| Saline County | $541,287 | $692,997 | $1,041,072 | Standard |
| Crawford County | $541,287 | $692,997 | $1,041,072 | Standard |
| Geary County | $541,287 | $692,997 | $1,041,072 | Standard |
| Finney County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ford County | $541,287 | $692,997 | $1,041,072 | Standard |
| Montgomery County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lyon County | $541,287 | $692,997 | $1,041,072 | Standard |
| Harvey County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cowley County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ellis County | $541,287 | $692,997 | $1,041,072 | Standard |
| Miami County | $541,287 | $692,997 | $1,041,072 | Standard |
| Franklin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Atchison County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wyandotte County | $541,287 | $692,997 | $1,041,072 | Standard |
| Douglas County | $541,287 | $692,997 | $1,041,072 | Standard |
Kansas's median home price is roughly $235,000. With 3.5% down, an example FHA payment near that price is about $1,857/month including MIP, taxes, and insurance.
Buying with an FHA loan in Kansas
FHA loans are popular with first-time buyers in Kansas because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Kansas for 2026?
- Most Kansas counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Kansas?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.