FHA Loan Limits in Franklin County, Missouri (2026)
Franklin County and the rest of Franklin County, Missouri fall under a 2026 one-unit FHA limit of $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 Franklin County to the edges of Franklin County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Jackson and St. Charles Counties.
How much home can you afford in Franklin County?
An FHA buyer near Franklin County faces an estimated $217,000 median, a $7,595 down payment, and — after Missouri's 0.97% property tax — a monthly cost around $1,700. That suits household income of roughly $66,000, above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in Franklin County
Here is what an FHA payment looks like at three Franklin County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $156,000 | $5,460 | $1,255 |
| Local median — $217,000 | $7,595 | $1,700 |
| At the FHA limit — $541,287 | $18,945 | $4,066 |
Estimates include FHA MIP plus Missouri property taxes and insurance. Rates move daily near Franklin County too — get notified.
First-time buyers make up much of FHA activity in Franklin County and across Franklin County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $7,595 needed on a median Franklin County home.
Multi-unit FHA limits in Franklin County
Looking at a duplex or fourplex near Franklin County? FHA allows up to $692,997 on two units and $1,041,072 on four in Franklin 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 Franklin County for 2026?
- In Franklin County (Franklin 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 Franklin County with FHA?
- For a median-priced ($217,000) Franklin County home, plan on income around $66,000 at a 31% housing ratio — about $1,700/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Franklin County?
- 3.5% with a 580+ score — roughly $7,595 on a $217,000 Franklin County-area home. Gift funds are allowed.
- Is Franklin County a high-cost FHA area?
- No — Franklin County uses the $541,287 national floor for one unit.