FHA Loan Limits in Cole County, Missouri (2026)
From Cole County, FHA buyers in Cole 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 Cole County — Cole County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Jackson and St. Charles Counties.
What can you buy with FHA in Cole County?
Homes around Cole County carry an estimated local median near $278,000, so an FHA buyer in Cole County puts down about $9,730 (3.5%). With Missouri's 0.97% effective property-tax rate, the all-in payment runs near $2,145 a month — comfortable on household income around $83,000, above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in Cole County
Here is what an FHA payment looks like at three Cole County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $200,000 | $7,000 | $1,576 |
| Local median — $278,000 | $9,730 | $2,145 |
| At the FHA limit — $541,287 | $18,945 | $4,066 |
Estimates include FHA MIP plus Missouri property taxes and insurance. Rates move daily near Cole County too — get notified.
Buyers across Cole County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,730 down payment near Cole County into little out of pocket.
Multi-unit FHA limits in Cole County
Looking at a duplex or fourplex near Cole County? FHA allows up to $692,997 on two units and $1,041,072 on four in Cole 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 Cole County for 2026?
- In Cole County (Cole 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 Cole County with FHA?
- For a median-priced ($278,000) Cole County home, plan on income around $83,000 at a 31% housing ratio — about $2,145/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cole County?
- 3.5% with a 580+ score — roughly $9,730 on a $278,000 Cole County-area home. Gift funds are allowed.
- Is Cole County a high-cost FHA area?
- No — Cole County uses the $541,287 national floor for one unit.