FHA Loan Limits in Wisconsin (2026)
For 2026, the FHA loan limit in most Wisconsin counties is $541,287 for a single-family home. Wisconsin has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Wisconsin
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Milwaukee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dane County | $541,287 | $692,997 | $1,041,072 | Standard |
| Waukesha County | $541,287 | $692,997 | $1,041,072 | Standard |
| Brown County | $541,287 | $692,997 | $1,041,072 | Standard |
| Racine County | $541,287 | $692,997 | $1,041,072 | Standard |
| Outagamie County | $541,287 | $692,997 | $1,041,072 | Standard |
| Winnebago County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kenosha County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rock County | $541,287 | $692,997 | $1,041,072 | Standard |
| Marathon County | $541,287 | $692,997 | $1,041,072 | Standard |
| Washington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sheboygan County | $541,287 | $692,997 | $1,041,072 | Standard |
| La Crosse County | $541,287 | $692,997 | $1,041,072 | Standard |
| Eau Claire County | $541,287 | $692,997 | $1,041,072 | Standard |
| Walworth County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ozaukee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dodge County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jefferson County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Croix County | $541,287 | $692,997 | $1,041,072 | Standard |
| Fond du Lac County | $541,287 | $692,997 | $1,041,072 | Standard |
| Manitowoc County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wood County | $541,287 | $692,997 | $1,041,072 | Standard |
| Portage County | $541,287 | $692,997 | $1,041,072 | Standard |
| Chippewa County | $541,287 | $692,997 | $1,041,072 | Standard |
| Columbia County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Wisconsin
FHA loans are popular with first-time buyers in Wisconsin because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Wisconsin for 2026?
- Most Wisconsin counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Wisconsin?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.