FHA Loan Limits in Finney County, Kansas (2026)
From Finney County, FHA buyers in Finney 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 Finney County to the edges of Finney 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 Finney County?
With Finney County's median sale price estimated near $197,000 (think Finney County), the FHA down payment is roughly $6,895. Factoring Kansas property taxes near 1.41%, expect about $1,626 monthly, pointing to income near $63,000 — under Kansas's $69,747 median household income.
FHA payment scenarios in Finney County
FHA payments across Finney County price points — from entry homes near Finney County to the county's FHA limit (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 Finney County too — get notified.
First-time buyers make up much of FHA activity in Finney County and across Finney County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $6,895 needed on a median Finney County home.
Multi-unit FHA limits in Finney County
Finney County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Finney 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 Finney County for 2026?
- In Finney County (Finney 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 Finney County with FHA?
- For a median-priced ($197,000) Finney 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 Finney County?
- 3.5% with a 580+ score — roughly $6,895 on a $197,000 Finney County-area home. Gift funds are allowed.
- Is Finney County a high-cost FHA area?
- No — Finney County uses the $541,287 national floor for one unit.