FHA Loan Limits in Hall County, Nebraska (2026)
In Hall County — anchored by Hall 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 Hall County to the edges of Hall County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Douglas and Lancaster Counties.
Affording a home in Hall County & Hall County
Homes around Hall County carry an estimated local median near $316,000, so an FHA buyer in Hall County puts down about $11,060 (3.5%). With Nebraska's 1.63% effective property-tax rate, the all-in payment runs near $2,596 a month — comfortable on household income around $100,000, above Nebraska's $71,722 median household income, so budget carefully.
FHA payment scenarios in Hall County
Here is what an FHA payment looks like at three Hall County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $228,000 | $7,980 | $1,906 |
| Local median — $316,000 | $11,060 | $2,596 |
| At the FHA limit — $541,287 | $18,945 | $4,364 |
Estimates include FHA MIP plus Nebraska property taxes and insurance. Rates move daily near Hall County too — get notified.
First-time buyers make up much of FHA activity in Hall County and across Hall County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $11,060 needed on a median Hall County home.
Multi-unit FHA limits in Hall County
Looking at a duplex or fourplex near Hall County? FHA allows up to $692,997 on two units and $1,041,072 on four in Hall County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Hall County for 2026?
- In Hall County (Hall 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 Hall County with FHA?
- For a median-priced ($316,000) Hall County home, plan on income around $100,000 at a 31% housing ratio — about $2,596/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Hall County?
- 3.5% with a 580+ score — roughly $11,060 on a $316,000 Hall County-area home. Gift funds are allowed.
- Is Hall County a high-cost FHA area?
- No — Hall County uses the $541,287 national floor for one unit.