FHA Loan Limits in Callaway County, Missouri (2026)
Buying in Callaway County or elsewhere in Callaway County? The 2026 FHA single-family limit across the county 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 |
From Callaway County to the edges of Callaway County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Jackson and St. Charles Counties.
FHA affordability around Callaway County
With Callaway County's median sale price estimated near $246,000 (think Callaway County), the FHA down payment is roughly $8,610. Factoring Missouri property taxes near 0.97%, expect about $1,912 monthly, pointing to income near $74,000 — above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in Callaway County
Here is what an FHA payment looks like at three Callaway County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $177,000 | $6,195 | $1,408 |
| Local median — $246,000 | $8,610 | $1,912 |
| At the FHA limit — $541,287 | $18,945 | $4,066 |
Estimates include FHA MIP plus Missouri property taxes and insurance. Rates move daily near Callaway County too — get notified.
First-time buyers make up much of FHA activity in Callaway County and across Callaway County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,610 needed on a median Callaway County home.
Multi-unit FHA limits in Callaway County
Looking at a duplex or fourplex near Callaway County? FHA allows up to $692,997 on two units and $1,041,072 on four in Callaway 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 Callaway County for 2026?
- In Callaway County (Callaway 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 Callaway County with FHA?
- For a median-priced ($246,000) Callaway County home, plan on income around $74,000 at a 31% housing ratio — about $1,912/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Callaway County?
- 3.5% with a 580+ score — roughly $8,610 on a $246,000 Callaway County-area home. Gift funds are allowed.
- Is Callaway County a high-cost FHA area?
- No — Callaway County uses the $541,287 national floor for one unit.