FHA Loan Limits in Platte County, Missouri (2026)
Buying in Platte County or elsewhere in Platte County? The 2026 FHA single-family limit across the county is $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 Platte County, from Platte County outward, and sit alongside the limits set for neighboring Jackson and St. Charles Counties.
FHA affordability around Platte County
With Platte County's median sale price estimated near $280,000 (think Platte County), the FHA down payment is roughly $9,800. Factoring Missouri property taxes near 0.97%, expect about $2,160 monthly, pointing to income near $84,000 — above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in Platte County
FHA payments across Platte County price points — from entry homes near Platte County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $202,000 | $7,070 | $1,591 |
| Local median — $280,000 | $9,800 | $2,160 |
| At the FHA limit — $541,287 | $18,945 | $4,066 |
Estimates include FHA MIP plus Missouri property taxes and insurance. Rates move daily near Platte County too — get notified.
In Platte County and the surrounding Platte County market, FHA's appeal is the math: $9,800 down on a $280,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Platte County
Platte County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Platte County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Platte County for 2026?
- In Platte County (Platte 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 Platte County with FHA?
- For a median-priced ($280,000) Platte County home, plan on income around $84,000 at a 31% housing ratio — about $2,160/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Platte County?
- 3.5% with a 580+ score — roughly $9,800 on a $280,000 Platte County-area home. Gift funds are allowed.
- Is Platte County a high-cost FHA area?
- No — Platte County uses the $541,287 national floor for one unit.