FHA Loan Limits in Camden County, Missouri (2026)
In Camden County — anchored by Camden County — the 2026 FHA loan limit for a single-family home 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 |
Every community in Camden County — Camden County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Jackson and St. Charles Counties.
Affording a home in Camden County & Camden County
An FHA buyer near Camden County faces an estimated $249,000 median, a $8,715 down payment, and — after Missouri's 0.97% property tax — a monthly cost around $1,933. That suits household income of roughly $75,000, above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in Camden County
FHA payments across Camden County price points — from entry homes near Camden County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $179,000 | $6,265 | $1,423 |
| Local median — $249,000 | $8,715 | $1,933 |
| At the FHA limit — $541,287 | $18,945 | $4,066 |
Estimates include FHA MIP plus Missouri property taxes and insurance. Rates move daily near Camden County too — get notified.
Buyers across Camden County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,715 down payment near Camden County into little out of pocket.
Multi-unit FHA limits in Camden County
Camden County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Camden County can live in one unit and rent the rest to offset the mortgage.
Never Miss an FHA Rate Change
We track HUD and FHA so you can move at the right moment — free, no pressure.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Camden County for 2026?
- In Camden County (Camden 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 Camden County with FHA?
- For a median-priced ($249,000) Camden County home, plan on income around $75,000 at a 31% housing ratio — about $1,933/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Camden County?
- 3.5% with a 580+ score — roughly $8,715 on a $249,000 Camden County-area home. Gift funds are allowed.
- Is Camden County a high-cost FHA area?
- No — Camden County uses the $541,287 national floor for one unit.