FHA Loan Limits in Fond du Lac County, Wisconsin (2026)
Buying in Fond du Lac County or elsewhere in Fond du Lac 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 Fond du Lac County to the edges of Fond du Lac County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Milwaukee and Dane Counties.
FHA affordability around Fond du Lac County
An FHA buyer near Fond du Lac County faces an estimated $300,000 median, a $10,500 down payment, and — after Wisconsin's 1.61% property tax — a monthly cost around $2,466. That suits household income of roughly $95,000, above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in Fond du Lac County
FHA payments across Fond du Lac County price points — from entry homes near Fond du Lac County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $216,000 | $7,560 | $1,808 |
| Local median — $300,000 | $10,500 | $2,466 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near Fond du Lac County too — get notified.
First-time buyers make up much of FHA activity in Fond du Lac County and across Fond du Lac County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,500 needed on a median Fond du Lac County home.
Multi-unit FHA limits in Fond du Lac County
Fond du Lac County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Fond du Lac 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 Fond du Lac County for 2026?
- In Fond du Lac County (Fond du Lac 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 Fond du Lac County with FHA?
- For a median-priced ($300,000) Fond du Lac County home, plan on income around $95,000 at a 31% housing ratio — about $2,466/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Fond du Lac County?
- 3.5% with a 580+ score — roughly $10,500 on a $300,000 Fond du Lac County-area home. Gift funds are allowed.
- Is Fond du Lac County a high-cost FHA area?
- No — Fond du Lac County uses the $541,287 national floor for one unit.