FHA Loan Limits in Cape Girardeau County, Missouri (2026)
From Cape Girardeau County, FHA buyers in Cape Girardeau 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 Cape Girardeau County to the edges of Cape Girardeau County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Jackson and St. Charles Counties.
What can you buy with FHA in Cape Girardeau County?
Homes around Cape Girardeau County carry an estimated local median near $237,000, so an FHA buyer in Cape Girardeau County puts down about $8,295 (3.5%). With Missouri's 0.97% effective property-tax rate, the all-in payment runs near $1,846 a month — comfortable on household income around $71,000, above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in Cape Girardeau County
Whether you are buying in Cape Girardeau County or a smaller Cape Girardeau 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 Cape Girardeau County too — get notified.
First-time buyers make up much of FHA activity in Cape Girardeau County and across Cape Girardeau County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,295 needed on a median Cape Girardeau County home.
Multi-unit FHA limits in Cape Girardeau County
Investors and house-hackers in Cape Girardeau County and across Cape Girardeau 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 Cape Girardeau County for 2026?
- In Cape Girardeau County (Cape Girardeau 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 Cape Girardeau County with FHA?
- For a median-priced ($237,000) Cape Girardeau 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 Cape Girardeau County?
- 3.5% with a 580+ score — roughly $8,295 on a $237,000 Cape Girardeau County-area home. Gift funds are allowed.
- Is Cape Girardeau County a high-cost FHA area?
- No — Cape Girardeau County uses the $541,287 national floor for one unit.