FHA Loan Limits in Butler County, Kansas (2026)
In Butler County — anchored by Butler County — the 2026 FHA loan limit for a single-family home 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 |
Every community in Butler County — Butler County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Johnson and Sedgwick Counties.
Affording a home in Butler County & Butler County
With Butler County's median sale price estimated near $250,000 (think Butler County), the FHA down payment is roughly $8,750. Factoring Kansas property taxes near 1.41%, expect about $2,032 monthly, pointing to income near $79,000 — above Kansas's $69,747 median household income, so budget carefully.
FHA payment scenarios in Butler County
Here is what an FHA payment looks like at three Butler County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $180,000 | $6,300 | $1,496 |
| Local median — $250,000 | $8,750 | $2,032 |
| At the FHA limit — $541,287 | $18,945 | $4,265 |
Estimates include FHA MIP plus Kansas property taxes and insurance. Rates move daily near Butler County too — get notified.
Buyers across Butler County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,750 down payment near Butler County into little out of pocket.
Multi-unit FHA limits in Butler County
Looking at a duplex or fourplex near Butler County? FHA allows up to $692,997 on two units and $1,041,072 on four in Butler 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 Butler County for 2026?
- In Butler County (Butler 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 Butler County with FHA?
- For a median-priced ($250,000) Butler County home, plan on income around $79,000 at a 31% housing ratio — about $2,032/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Butler County?
- 3.5% with a 580+ score — roughly $8,750 on a $250,000 Butler County-area home. Gift funds are allowed.
- Is Butler County a high-cost FHA area?
- No — Butler County uses the $541,287 national floor for one unit.