FHA Loan Limits in Sedgwick County, Kansas (2026)
From Sedgwick County, FHA buyers in Sedgwick County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Sedgwick County to the edges of Sedgwick County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Johnson and Wyandotte Counties.
What can you buy with FHA in Sedgwick County?
Homes around Sedgwick County carry an estimated local median near $225,000, so an FHA buyer in Sedgwick County puts down about $7,875 (3.5%). With Kansas's 1.41% effective property-tax rate, the all-in payment runs near $1,841 a month — comfortable on household income around $71,000, above Kansas's $69,747 median household income, so budget carefully.
FHA payment scenarios in Sedgwick County
Here is what an FHA payment looks like at three Sedgwick County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $162,000 | $5,670 | $1,358 |
| Local median — $225,000 | $7,875 | $1,841 |
| At the FHA limit — $541,287 | $18,945 | $4,265 |
Estimates include FHA MIP plus Kansas property taxes and insurance. Rates move daily near Sedgwick County too — get notified.
First-time buyers make up much of FHA activity in Sedgwick County and across Sedgwick County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $7,875 needed on a median Sedgwick County home.
Multi-unit FHA limits in Sedgwick County
Looking at a duplex or fourplex near Sedgwick County? FHA allows up to $692,997 on two units and $1,041,072 on four in Sedgwick 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 Sedgwick County for 2026?
- In Sedgwick County (Sedgwick 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 Sedgwick County with FHA?
- For a median-priced ($225,000) Sedgwick County home, plan on income around $71,000 at a 31% housing ratio — about $1,841/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sedgwick County?
- 3.5% with a 580+ score — roughly $7,875 on a $225,000 Sedgwick County-area home. Gift funds are allowed.
- Is Sedgwick County a high-cost FHA area?
- No — Sedgwick County uses the $541,287 national floor for one unit.