FHA Loan Limits in Webster County, Missouri (2026)
In Webster County — anchored by Webster County — the 2026 FHA loan limit for a single-family home 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 Webster County, from Webster County outward, and sit alongside the limits set for neighboring Jackson and St. Charles Counties.
Affording a home in Webster County & Webster County
An FHA buyer near Webster County faces an estimated $232,000 median, a $8,120 down payment, and — after Missouri's 0.97% property tax — a monthly cost around $1,809. That suits household income of roughly $70,000, above Missouri's $65,920 median household income, so budget carefully.
FHA payment scenarios in Webster County
Whether you are buying in Webster County or a smaller Webster 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 — $167,000 | $5,845 | $1,335 |
| Local median — $232,000 | $8,120 | $1,809 |
| At the FHA limit — $541,287 | $18,945 | $4,066 |
Estimates include FHA MIP plus Missouri property taxes and insurance. Rates move daily near Webster County too — get notified.
In Webster County and the surrounding Webster County market, FHA's appeal is the math: $8,120 down on a $232,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Webster County
Investors and house-hackers in Webster County and across Webster 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 Webster County for 2026?
- In Webster County (Webster 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 Webster County with FHA?
- For a median-priced ($232,000) Webster County home, plan on income around $70,000 at a 31% housing ratio — about $1,809/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Webster County?
- 3.5% with a 580+ score — roughly $8,120 on a $232,000 Webster County-area home. Gift funds are allowed.
- Is Webster County a high-cost FHA area?
- No — Webster County uses the $541,287 national floor for one unit.