FHA Loan Limits in Riley County, Kansas (2026)
Riley County and the rest of Riley 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 Riley County — Riley 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 Riley County?
An FHA buyer near Riley County faces an estimated $227,000 median, a $7,945 down payment, and — after Kansas's 1.41% property tax — a monthly cost around $1,856. That suits household income of roughly $72,000, above Kansas's $69,747 median household income, so budget carefully.
FHA payment scenarios in Riley County
Whether you are buying in Riley County or a smaller Riley 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 — $163,000 | $5,705 | $1,366 |
| Local median — $227,000 | $7,945 | $1,856 |
| At the FHA limit — $541,287 | $18,945 | $4,265 |
Estimates include FHA MIP plus Kansas property taxes and insurance. Rates move daily near Riley County too — get notified.
Buyers across Riley County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,945 down payment near Riley County into little out of pocket.
Multi-unit FHA limits in Riley County
Investors and house-hackers in Riley County and across Riley 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 Riley County for 2026?
- In Riley County (Riley 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 Riley County with FHA?
- For a median-priced ($227,000) Riley County home, plan on income around $72,000 at a 31% housing ratio — about $1,856/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Riley County?
- 3.5% with a 580+ score — roughly $7,945 on a $227,000 Riley County-area home. Gift funds are allowed.
- Is Riley County a high-cost FHA area?
- No — Riley County uses the $541,287 national floor for one unit.