FHA Loan Limits in Wichita County, Texas (2026)
From Wichita County, FHA buyers in Wichita County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the South.
| 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 Wichita County — Wichita County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Harris and Dallas Counties.
What can you buy with FHA in Wichita County?
With Wichita County's median sale price estimated near $314,000 (think Wichita County), the FHA down payment is roughly $10,990. Factoring Texas property taxes near 1.68%, expect about $2,593 monthly, pointing to income near $100,000 — above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Wichita County
Here is what an FHA payment looks like at three Wichita County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $226,000 | $7,910 | $1,899 |
| Local median — $314,000 | $10,990 | $2,593 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Wichita County too — get notified.
Buyers across Wichita County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $10,990 down payment near Wichita County into little out of pocket.
Multi-unit FHA limits in Wichita County
Looking at a duplex or fourplex near Wichita County? FHA allows up to $692,997 on two units and $1,041,072 on four in Wichita County, with the same low 3.5% down for owner-occupants.
Stay Ahead of FHA Rule Changes
One quick signup and we keep you posted on FHA rate drops, new programs, and requirement changes.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Wichita County for 2026?
- In Wichita County (Wichita 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 Wichita County with FHA?
- For a median-priced ($314,000) Wichita County home, plan on income around $100,000 at a 31% housing ratio — about $2,593/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Wichita County?
- 3.5% with a 580+ score — roughly $10,990 on a $314,000 Wichita County-area home. Gift funds are allowed.
- Is Wichita County a high-cost FHA area?
- No — Wichita County uses the $541,287 national floor for one unit.