FHA Loan Limits in Lincoln County, Missouri (2026)
Lincoln County and the rest of Lincoln 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 |
These 2026 limits apply throughout Lincoln County, from Lincoln County outward, and sit alongside the limits set for neighboring Jackson and St. Charles Counties.
How much home can you afford in Lincoln County?
An FHA buyer near Lincoln County faces an estimated $263,000 median, a $9,205 down payment, and — after Missouri's 0.97% property tax — a monthly cost around $2,036. That suits household income of roughly $79,000, above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in Lincoln County
Whether you are buying in Lincoln County or a smaller Lincoln 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 — $189,000 | $6,615 | $1,496 |
| Local median — $263,000 | $9,205 | $2,036 |
| At the FHA limit — $541,287 | $18,945 | $4,066 |
Estimates include FHA MIP plus Missouri property taxes and insurance. Rates move daily near Lincoln County too — get notified.
In Lincoln County and the surrounding Lincoln County market, FHA's appeal is the math: $9,205 down on a $263,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Lincoln County
Investors and house-hackers in Lincoln County and across Lincoln 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 Lincoln County for 2026?
- In Lincoln County (Lincoln 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 Lincoln County with FHA?
- For a median-priced ($263,000) Lincoln County home, plan on income around $79,000 at a 31% housing ratio — about $2,036/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lincoln County?
- 3.5% with a 580+ score — roughly $9,205 on a $263,000 Lincoln County-area home. Gift funds are allowed.
- Is Lincoln County a high-cost FHA area?
- No — Lincoln County uses the $541,287 national floor for one unit.