FHA Loan Limits in Shawnee County, Kansas (2026)
From Shawnee County, FHA buyers in Shawnee 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 |
Every community in Shawnee County — Shawnee County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Johnson and Sedgwick Counties.
What can you buy with FHA in Shawnee County?
An FHA buyer near Shawnee County faces an estimated $207,000 median, a $7,245 down payment, and — after Kansas's 1.41% property tax — a monthly cost around $1,703. That suits household income of roughly $66,000, under Kansas's $69,747 median household income.
FHA payment scenarios in Shawnee County
Whether you are buying in Shawnee County or a smaller Shawnee 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 — $149,000 | $5,215 | $1,258 |
| Local median — $207,000 | $7,245 | $1,703 |
| At the FHA limit — $541,287 | $18,945 | $4,265 |
Estimates include FHA MIP plus Kansas property taxes and insurance. Rates move daily near Shawnee County too — get notified.
Buyers across Shawnee County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,245 down payment near Shawnee County into little out of pocket.
Multi-unit FHA limits in Shawnee County
Investors and house-hackers in Shawnee County and across Shawnee 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 Shawnee County for 2026?
- In Shawnee County (Shawnee 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 Shawnee County with FHA?
- For a median-priced ($207,000) Shawnee County home, plan on income around $66,000 at a 31% housing ratio — about $1,703/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Shawnee County?
- 3.5% with a 580+ score — roughly $7,245 on a $207,000 Shawnee County-area home. Gift funds are allowed.
- Is Shawnee County a high-cost FHA area?
- No — Shawnee County uses the $541,287 national floor for one unit.