FHA Loan Limits in Adams County, Nebraska (2026)
From Adams County, FHA buyers in Adams County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Adams County, from Adams County outward, and sit alongside the limits set for neighboring Douglas and Lancaster Counties.
What can you buy with FHA in Adams County?
With Adams County's median sale price estimated near $282,000 (think Adams County), the FHA down payment is roughly $9,870. Factoring Nebraska property taxes near 1.63%, expect about $2,329 monthly, pointing to income near $90,000 — above Nebraska's $71,722 median household income, so budget carefully.
FHA payment scenarios in Adams County
Here is what an FHA payment looks like at three Adams County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $203,000 | $7,105 | $1,709 |
| Local median — $282,000 | $9,870 | $2,329 |
| At the FHA limit — $541,287 | $18,945 | $4,364 |
Estimates include FHA MIP plus Nebraska property taxes and insurance. Rates move daily near Adams County too — get notified.
In Adams County and the surrounding Adams County market, FHA's appeal is the math: $9,870 down on a $282,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Adams County
Looking at a duplex or fourplex near Adams County? FHA allows up to $692,997 on two units and $1,041,072 on four in Adams County, with the same low 3.5% down for owner-occupants.
Never Miss an FHA Rate Change
Free to join in under 30 seconds. Get notified when it is time to act.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Adams County for 2026?
- In Adams County (Adams 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 Adams County with FHA?
- For a median-priced ($282,000) Adams County home, plan on income around $90,000 at a 31% housing ratio — about $2,329/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Adams County?
- 3.5% with a 580+ score — roughly $9,870 on a $282,000 Adams County-area home. Gift funds are allowed.
- Is Adams County a high-cost FHA area?
- No — Adams County uses the $541,287 national floor for one unit.