FHA Loan Limits in Ellis County, Kansas (2026)
From Ellis County, FHA buyers in Ellis 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 |
From Ellis County to the edges of Ellis County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Johnson and Sedgwick Counties.
What can you buy with FHA in Ellis County?
An FHA buyer near Ellis County faces an estimated $261,000 median, a $9,135 down payment, and — after Kansas's 1.41% property tax — a monthly cost around $2,117. That suits household income of roughly $82,000, above Kansas's $69,747 median household income, so budget carefully.
FHA payment scenarios in Ellis County
FHA payments across Ellis County price points — from entry homes near Ellis County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $188,000 | $6,580 | $1,557 |
| Local median — $261,000 | $9,135 | $2,117 |
| At the FHA limit — $541,287 | $18,945 | $4,265 |
Estimates include FHA MIP plus Kansas property taxes and insurance. Rates move daily near Ellis County too — get notified.
First-time buyers make up much of FHA activity in Ellis County and across Ellis County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $9,135 needed on a median Ellis County home.
Multi-unit FHA limits in Ellis County
Ellis County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Ellis 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 Ellis County for 2026?
- In Ellis County (Ellis 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 Ellis County with FHA?
- For a median-priced ($261,000) Ellis County home, plan on income around $82,000 at a 31% housing ratio — about $2,117/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Ellis County?
- 3.5% with a 580+ score — roughly $9,135 on a $261,000 Ellis County-area home. Gift funds are allowed.
- Is Ellis County a high-cost FHA area?
- No — Ellis County uses the $541,287 national floor for one unit.