FHA Loan Limits in Warren County, Missouri (2026)
Warren County and the rest of Warren 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 Warren County, from Warren County outward, and sit alongside the limits set for neighboring Jackson and St. Charles Counties.
How much home can you afford in Warren County?
Homes around Warren County carry an estimated local median near $273,000, so an FHA buyer in Warren County puts down about $9,555 (3.5%). With Missouri's 0.97% effective property-tax rate, the all-in payment runs near $2,109 a month — comfortable on household income around $82,000, above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in Warren County
Whether you are buying in Warren County or a smaller Warren 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 — $197,000 | $6,895 | $1,554 |
| Local median — $273,000 | $9,555 | $2,109 |
| At the FHA limit — $541,287 | $18,945 | $4,066 |
Estimates include FHA MIP plus Missouri property taxes and insurance. Rates move daily near Warren County too — get notified.
In Warren County and the surrounding Warren County market, FHA's appeal is the math: $9,555 down on a $273,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Warren County
Investors and house-hackers in Warren County and across Warren 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 Warren County for 2026?
- In Warren County (Warren 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 Warren County with FHA?
- For a median-priced ($273,000) Warren County home, plan on income around $82,000 at a 31% housing ratio — about $2,109/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Warren County?
- 3.5% with a 580+ score — roughly $9,555 on a $273,000 Warren County-area home. Gift funds are allowed.
- Is Warren County a high-cost FHA area?
- No — Warren County uses the $541,287 national floor for one unit.