FHA Loan Limits in Lyon County, Nevada (2026)
In Lyon County — anchored by Lyon 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 Southwest.
| 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 |
Every community in Lyon County — Lyon County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Clark and Washoe Counties.
Affording a home in Lyon County & Lyon County
An FHA buyer near Lyon County faces an estimated $440,000 median, a $15,400 down payment, and — after Nevada's 0.55% property tax — a monthly cost around $3,173. That suits household income of roughly $123,000, above Nevada's $71,646 median household income, so budget carefully.
FHA payment scenarios in Lyon County
Whether you are buying in Lyon County or a smaller Lyon 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 — $317,000 | $11,095 | $2,319 |
| Local median — $440,000 | $15,400 | $3,173 |
| At the FHA limit — $541,287 | $18,945 | $3,877 |
Estimates include FHA MIP plus Nevada property taxes and insurance. Rates move daily near Lyon County too — get notified.
Buyers across Lyon County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $15,400 down payment near Lyon County into little out of pocket.
Multi-unit FHA limits in Lyon County
Investors and house-hackers in Lyon County and across Lyon 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 Lyon County for 2026?
- In Lyon County (Lyon 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 Lyon County with FHA?
- For a median-priced ($440,000) Lyon County home, plan on income around $123,000 at a 31% housing ratio — about $3,173/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lyon County?
- 3.5% with a 580+ score — roughly $15,400 on a $440,000 Lyon County-area home. Gift funds are allowed.
- Is Lyon County a high-cost FHA area?
- No — Lyon County uses the $541,287 national floor for one unit.