FHA Loan Limits in Atchison County, Kansas (2026)
Atchison County and the rest of Atchison County, Kansas fall under a 2026 one-unit FHA limit of $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 |
Every community in Atchison County — Atchison County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Johnson and Sedgwick Counties.
How much home can you afford in Atchison County?
Homes around Atchison County carry an estimated local median near $197,000, so an FHA buyer in Atchison County puts down about $6,895 (3.5%). With Kansas's 1.41% effective property-tax rate, the all-in payment runs near $1,626 a month — comfortable on household income around $63,000, under Kansas's $69,747 median household income.
FHA payment scenarios in Atchison County
Whether you are buying in Atchison County or a smaller Atchison 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 — $142,000 | $4,970 | $1,205 |
| Local median — $197,000 | $6,895 | $1,626 |
| At the FHA limit — $541,287 | $18,945 | $4,265 |
Estimates include FHA MIP plus Kansas property taxes and insurance. Rates move daily near Atchison County too — get notified.
Buyers across Atchison County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $6,895 down payment near Atchison County into little out of pocket.
Multi-unit FHA limits in Atchison County
Investors and house-hackers in Atchison County and across Atchison 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 Atchison County for 2026?
- In Atchison County (Atchison 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 Atchison County with FHA?
- For a median-priced ($197,000) Atchison County home, plan on income around $63,000 at a 31% housing ratio — about $1,626/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Atchison County?
- 3.5% with a 580+ score — roughly $6,895 on a $197,000 Atchison County-area home. Gift funds are allowed.
- Is Atchison County a high-cost FHA area?
- No — Atchison County uses the $541,287 national floor for one unit.