FHA Loan Limits in Boone County, Missouri (2026)
From Boone County, FHA buyers in Boone 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 |
These 2026 limits apply throughout Boone County, from Boone County outward, and sit alongside the limits set for neighboring Jackson and St. Charles Counties.
What can you buy with FHA in Boone County?
An FHA buyer near Boone County faces an estimated $237,000 median, a $8,295 down payment, and — after Missouri's 0.97% property tax — a monthly cost around $1,846. That suits household income of roughly $71,000, above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in Boone County
Whether you are buying in Boone County or a smaller Boone 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 — $171,000 | $5,985 | $1,364 |
| Local median — $237,000 | $8,295 | $1,846 |
| At the FHA limit — $541,287 | $18,945 | $4,066 |
Estimates include FHA MIP plus Missouri property taxes and insurance. Rates move daily near Boone County too — get notified.
In Boone County and the surrounding Boone County market, FHA's appeal is the math: $8,295 down on a $237,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Boone County
Investors and house-hackers in Boone County and across Boone 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 Boone County for 2026?
- In Boone County (Boone 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 Boone County with FHA?
- For a median-priced ($237,000) Boone County home, plan on income around $71,000 at a 31% housing ratio — about $1,846/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Boone County?
- 3.5% with a 580+ score — roughly $8,295 on a $237,000 Boone County-area home. Gift funds are allowed.
- Is Boone County a high-cost FHA area?
- No — Boone County uses the $541,287 national floor for one unit.