FHA Loan Limits in Buffalo County, Nebraska (2026)
In Buffalo County — anchored by Buffalo 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 Buffalo County, from Buffalo County outward, and sit alongside the limits set for neighboring Douglas and Lancaster Counties.
Affording a home in Buffalo County & Buffalo County
An FHA buyer near Buffalo County faces an estimated $319,000 median, a $11,165 down payment, and — after Nebraska's 1.63% property tax — a monthly cost around $2,620. That suits household income of roughly $101,000, above Nebraska's $71,722 median household income, so budget carefully.
FHA payment scenarios in Buffalo County
FHA payments across Buffalo County price points — from entry homes near Buffalo County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $230,000 | $8,050 | $1,921 |
| Local median — $319,000 | $11,165 | $2,620 |
| At the FHA limit — $541,287 | $18,945 | $4,364 |
Estimates include FHA MIP plus Nebraska property taxes and insurance. Rates move daily near Buffalo County too — get notified.
In Buffalo County and the surrounding Buffalo County market, FHA's appeal is the math: $11,165 down on a $319,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Buffalo County
Buffalo County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Buffalo 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 Buffalo County for 2026?
- In Buffalo County (Buffalo 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 Buffalo County with FHA?
- For a median-priced ($319,000) Buffalo County home, plan on income around $101,000 at a 31% housing ratio — about $2,620/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Buffalo County?
- 3.5% with a 580+ score — roughly $11,165 on a $319,000 Buffalo County-area home. Gift funds are allowed.
- Is Buffalo County a high-cost FHA area?
- No — Buffalo County uses the $541,287 national floor for one unit.