FHA Loan Limits in Sarpy County, Nebraska (2026)
In Sarpy County — anchored by Sarpy 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 Sarpy County to the edges of Sarpy County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Douglas and Lancaster Counties.
Affording a home in Sarpy County & Sarpy County
With Sarpy County's median sale price estimated near $330,000 (think Sarpy County), the FHA down payment is roughly $11,550. Factoring Nebraska property taxes near 1.63%, expect about $2,706 monthly, pointing to income near $105,000 — above Nebraska's $71,722 median household income, so budget carefully.
FHA payment scenarios in Sarpy County
Whether you are buying in Sarpy County or a smaller Sarpy 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 — $238,000 | $8,330 | $1,984 |
| Local median — $330,000 | $11,550 | $2,706 |
| At the FHA limit — $541,287 | $18,945 | $4,364 |
Estimates include FHA MIP plus Nebraska property taxes and insurance. Rates move daily near Sarpy County too — get notified.
First-time buyers make up much of FHA activity in Sarpy County and across Sarpy County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $11,550 needed on a median Sarpy County home.
Multi-unit FHA limits in Sarpy County
Investors and house-hackers in Sarpy County and across Sarpy 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 Sarpy County for 2026?
- In Sarpy County (Sarpy 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 Sarpy County with FHA?
- For a median-priced ($330,000) Sarpy County home, plan on income around $105,000 at a 31% housing ratio — about $2,706/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sarpy County?
- 3.5% with a 580+ score — roughly $11,550 on a $330,000 Sarpy County-area home. Gift funds are allowed.
- Is Sarpy County a high-cost FHA area?
- No — Sarpy County uses the $541,287 national floor for one unit.