FHA Loan Limits in Douglas County, Kansas (2026)
Douglas County and the rest of Douglas 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 |
These 2026 limits apply throughout Douglas County, from Douglas County outward, and sit alongside the limits set for neighboring Johnson and Sedgwick Counties.
How much home can you afford in Douglas County?
With Douglas County's median sale price estimated near $360,000 (think Douglas County), the FHA down payment is roughly $12,600. Factoring Kansas property taxes near 1.41%, expect about $2,875 monthly, pointing to income near $111,000 — above Kansas's $69,747 median household income, so budget carefully.
FHA payment scenarios in Douglas County
FHA payments across Douglas County price points — from entry homes near Douglas County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $259,000 | $9,065 | $2,101 |
| Local median — $360,000 | $12,600 | $2,875 |
| At the FHA limit — $541,287 | $18,945 | $4,265 |
Estimates include FHA MIP plus Kansas property taxes and insurance. Rates move daily near Douglas County too — get notified.
In Douglas County and the surrounding Douglas County market, FHA's appeal is the math: $12,600 down on a $360,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Douglas County
Douglas County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Douglas County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Douglas County for 2026?
- In Douglas County (Douglas 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 Douglas County with FHA?
- For a median-priced ($360,000) Douglas County home, plan on income around $111,000 at a 31% housing ratio — about $2,875/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Douglas County?
- 3.5% with a 580+ score — roughly $12,600 on a $360,000 Douglas County-area home. Gift funds are allowed.
- Is Douglas County a high-cost FHA area?
- No — Douglas County uses the $541,287 national floor for one unit.