FHA Loan Limits in Geary County, Kansas (2026)
Buying in Geary County or elsewhere in Geary County? The 2026 FHA single-family limit across the county 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 |
From Geary County to the edges of Geary County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Johnson and Sedgwick Counties.
FHA affordability around Geary County
An FHA buyer near Geary County faces an estimated $236,000 median, a $8,260 down payment, and — after Kansas's 1.41% property tax — a monthly cost around $1,925. That suits household income of roughly $75,000, above Kansas's $69,747 median household income, so budget carefully.
FHA payment scenarios in Geary County
FHA payments across Geary County price points — from entry homes near Geary County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $170,000 | $5,950 | $1,419 |
| Local median — $236,000 | $8,260 | $1,925 |
| At the FHA limit — $541,287 | $18,945 | $4,265 |
Estimates include FHA MIP plus Kansas property taxes and insurance. Rates move daily near Geary County too — get notified.
First-time buyers make up much of FHA activity in Geary County and across Geary County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,260 needed on a median Geary County home.
Multi-unit FHA limits in Geary County
Geary County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Geary 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 Geary County for 2026?
- In Geary County (Geary 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 Geary County with FHA?
- For a median-priced ($236,000) Geary County home, plan on income around $75,000 at a 31% housing ratio — about $1,925/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Geary County?
- 3.5% with a 580+ score — roughly $8,260 on a $236,000 Geary County-area home. Gift funds are allowed.
- Is Geary County a high-cost FHA area?
- No — Geary County uses the $541,287 national floor for one unit.