FHA Loan Limits in Pettis County, Missouri (2026)
Pettis County and the rest of Pettis 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 Pettis County, from Pettis County outward, and sit alongside the limits set for neighboring Jackson and St. Charles Counties.
How much home can you afford in Pettis County?
With Pettis County's median sale price estimated near $259,000 (think Pettis County), the FHA down payment is roughly $9,065. Factoring Missouri property taxes near 0.97%, expect about $2,006 monthly, pointing to income near $78,000 — above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in Pettis County
Whether you are buying in Pettis County or a smaller Pettis 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 — $186,000 | $6,510 | $1,474 |
| Local median — $259,000 | $9,065 | $2,006 |
| At the FHA limit — $541,287 | $18,945 | $4,066 |
Estimates include FHA MIP plus Missouri property taxes and insurance. Rates move daily near Pettis County too — get notified.
In Pettis County and the surrounding Pettis County market, FHA's appeal is the math: $9,065 down on a $259,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Pettis County
Investors and house-hackers in Pettis County and across Pettis 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 Pettis County for 2026?
- In Pettis County (Pettis 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 Pettis County with FHA?
- For a median-priced ($259,000) Pettis County home, plan on income around $78,000 at a 31% housing ratio — about $2,006/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pettis County?
- 3.5% with a 580+ score — roughly $9,065 on a $259,000 Pettis County-area home. Gift funds are allowed.
- Is Pettis County a high-cost FHA area?
- No — Pettis County uses the $541,287 national floor for one unit.