FHA Loan Limits in Reno County, Kansas (2026)
In Reno County — anchored by Reno County — the 2026 FHA loan limit for a single-family home 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 |
Every community in Reno County — Reno County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Johnson and Sedgwick Counties.
Affording a home in Reno County & Reno County
An FHA buyer near Reno County faces an estimated $202,000 median, a $7,070 down payment, and — after Kansas's 1.41% property tax — a monthly cost around $1,665. That suits household income of roughly $64,000, under Kansas's $69,747 median household income.
FHA payment scenarios in Reno County
Whether you are buying in Reno County or a smaller Reno County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $145,000 | $5,075 | $1,228 |
| Local median — $202,000 | $7,070 | $1,665 |
| At the FHA limit — $541,287 | $18,945 | $4,265 |
Estimates include FHA MIP plus Kansas property taxes and insurance. Rates move daily near Reno County too — get notified.
Buyers across Reno County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,070 down payment near Reno County into little out of pocket.
Multi-unit FHA limits in Reno County
Investors and house-hackers in Reno County and across Reno County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Reno County for 2026?
- In Reno County (Reno 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 Reno County with FHA?
- For a median-priced ($202,000) Reno County home, plan on income around $64,000 at a 31% housing ratio — about $1,665/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Reno County?
- 3.5% with a 580+ score — roughly $7,070 on a $202,000 Reno County-area home. Gift funds are allowed.
- Is Reno County a high-cost FHA area?
- No — Reno County uses the $541,287 national floor for one unit.