FHA Loan Limits in Box Butte County, Nebraska (2026)
In Box Butte County — anchored by Box Butte 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 |
From Box Butte County to the edges of Box Butte County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Douglas and Lancaster Counties.
Affording a home in Box Butte County & Box Butte County
An FHA buyer near Box Butte County faces an estimated $311,000 median, a $10,885 down payment, and — after Nebraska's 1.63% property tax — a monthly cost around $2,557. That suits household income of roughly $99,000, above Nebraska's $71,722 median household income, so budget carefully.
FHA payment scenarios in Box Butte County
FHA payments across Box Butte County price points — from entry homes near Box Butte County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $224,000 | $7,840 | $1,874 |
| Local median — $311,000 | $10,885 | $2,557 |
| At the FHA limit — $541,287 | $18,945 | $4,364 |
Estimates include FHA MIP plus Nebraska property taxes and insurance. Rates move daily near Box Butte County too — get notified.
First-time buyers make up much of FHA activity in Box Butte County and across Box Butte County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,885 needed on a median Box Butte County home.
Multi-unit FHA limits in Box Butte County
Box Butte County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Box Butte 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 Box Butte County for 2026?
- In Box Butte County (Box Butte 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 Box Butte County with FHA?
- For a median-priced ($311,000) Box Butte County home, plan on income around $99,000 at a 31% housing ratio — about $2,557/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Box Butte County?
- 3.5% with a 580+ score — roughly $10,885 on a $311,000 Box Butte County-area home. Gift funds are allowed.
- Is Box Butte County a high-cost FHA area?
- No — Box Butte County uses the $541,287 national floor for one unit.