FHA Loan Limits in Dane County, Wisconsin (2026)
Buying in Dane County or elsewhere in Dane County? The 2026 FHA single-family limit across the county 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 Dane County to the edges of Dane County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Milwaukee and Waukesha Counties.
FHA affordability around Dane County
Homes around Dane County carry an estimated local median near $420,000, so an FHA buyer in Dane County puts down about $14,700 (3.5%). With Wisconsin's 1.61% effective property-tax rate, the all-in payment runs near $3,405 a month — comfortable on household income around $132,000, above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in Dane County
FHA payments across Dane County price points — from entry homes near Dane County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $302,000 | $10,570 | $2,481 |
| Local median — $420,000 | $14,700 | $3,405 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near Dane County too — get notified.
First-time buyers make up much of FHA activity in Dane County and across Dane County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $14,700 needed on a median Dane County home.
Multi-unit FHA limits in Dane County
Dane County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Dane County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Dane County for 2026?
- In Dane County (Dane 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 Dane County with FHA?
- For a median-priced ($420,000) Dane County home, plan on income around $132,000 at a 31% housing ratio — about $3,405/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Dane County?
- 3.5% with a 580+ score — roughly $14,700 on a $420,000 Dane County-area home. Gift funds are allowed.
- Is Dane County a high-cost FHA area?
- No — Dane County uses the $541,287 national floor for one unit.