FHA Loan Limits in Miami County, Kansas (2026)
Miami County and the rest of Miami 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 |
Every community in Miami County — Miami County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Johnson and Sedgwick Counties.
How much home can you afford in Miami County?
An FHA buyer near Miami County faces an estimated $209,000 median, a $7,315 down payment, and — after Kansas's 1.41% property tax — a monthly cost around $1,718. That suits household income of roughly $67,000, under Kansas's $69,747 median household income.
FHA payment scenarios in Miami County
Here is what an FHA payment looks like at three Miami County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $150,000 | $5,250 | $1,266 |
| Local median — $209,000 | $7,315 | $1,718 |
| At the FHA limit — $541,287 | $18,945 | $4,265 |
Estimates include FHA MIP plus Kansas property taxes and insurance. Rates move daily near Miami County too — get notified.
Buyers across Miami County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,315 down payment near Miami County into little out of pocket.
Multi-unit FHA limits in Miami County
Looking at a duplex or fourplex near Miami County? FHA allows up to $692,997 on two units and $1,041,072 on four in Miami 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 Miami County for 2026?
- In Miami County (Miami 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 Miami County with FHA?
- For a median-priced ($209,000) Miami County home, plan on income around $67,000 at a 31% housing ratio — about $1,718/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Miami County?
- 3.5% with a 580+ score — roughly $7,315 on a $209,000 Miami County-area home. Gift funds are allowed.
- Is Miami County a high-cost FHA area?
- No — Miami County uses the $541,287 national floor for one unit.