FHA Loan Limits in Harvey County, Kansas (2026)
Harvey County and the rest of Harvey 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 Harvey County, from Harvey County outward, and sit alongside the limits set for neighboring Johnson and Sedgwick Counties.
How much home can you afford in Harvey County?
Homes around Harvey County carry an estimated local median near $218,000, so an FHA buyer in Harvey County puts down about $7,630 (3.5%). With Kansas's 1.41% effective property-tax rate, the all-in payment runs near $1,787 a month — comfortable on household income around $69,000, under Kansas's $69,747 median household income.
FHA payment scenarios in Harvey County
Here is what an FHA payment looks like at three Harvey County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $157,000 | $5,495 | $1,320 |
| Local median — $218,000 | $7,630 | $1,787 |
| At the FHA limit — $541,287 | $18,945 | $4,265 |
Estimates include FHA MIP plus Kansas property taxes and insurance. Rates move daily near Harvey County too — get notified.
In Harvey County and the surrounding Harvey County market, FHA's appeal is the math: $7,630 down on a $218,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Harvey County
Looking at a duplex or fourplex near Harvey County? FHA allows up to $692,997 on two units and $1,041,072 on four in Harvey 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 Harvey County for 2026?
- In Harvey County (Harvey 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 Harvey County with FHA?
- For a median-priced ($218,000) Harvey County home, plan on income around $69,000 at a 31% housing ratio — about $1,787/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Harvey County?
- 3.5% with a 580+ score — roughly $7,630 on a $218,000 Harvey County-area home. Gift funds are allowed.
- Is Harvey County a high-cost FHA area?
- No — Harvey County uses the $541,287 national floor for one unit.