FHA Loan Limits in Newton County, Missouri (2026)
Newton County and the rest of Newton 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 |
Every community in Newton County — Newton County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Jackson and St. Charles Counties.
How much home can you afford in Newton County?
Homes around Newton County carry an estimated local median near $283,000, so an FHA buyer in Newton County puts down about $9,905 (3.5%). With Missouri's 0.97% effective property-tax rate, the all-in payment runs near $2,182 a month — comfortable on household income around $84,000, above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in Newton County
Whether you are buying in Newton County or a smaller Newton 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 — $204,000 | $7,140 | $1,605 |
| Local median — $283,000 | $9,905 | $2,182 |
| At the FHA limit — $541,287 | $18,945 | $4,066 |
Estimates include FHA MIP plus Missouri property taxes and insurance. Rates move daily near Newton County too — get notified.
Buyers across Newton County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,905 down payment near Newton County into little out of pocket.
Multi-unit FHA limits in Newton County
Investors and house-hackers in Newton County and across Newton 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 Newton County for 2026?
- In Newton County (Newton 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 Newton County with FHA?
- For a median-priced ($283,000) Newton County home, plan on income around $84,000 at a 31% housing ratio — about $2,182/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Newton County?
- 3.5% with a 580+ score — roughly $9,905 on a $283,000 Newton County-area home. Gift funds are allowed.
- Is Newton County a high-cost FHA area?
- No — Newton County uses the $541,287 national floor for one unit.