FHA Loan Limits in Jefferson County, Wisconsin (2026)
In Jefferson County — anchored by Jefferson 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 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 |
These 2026 limits apply throughout Jefferson County, from Jefferson County outward, and sit alongside the limits set for neighboring Milwaukee and Dane Counties.
Affording a home in Jefferson County & Jefferson County
Homes around Jefferson County carry an estimated local median near $258,000, so an FHA buyer in Jefferson County puts down about $9,030 (3.5%). With Wisconsin's 1.61% effective property-tax rate, the all-in payment runs near $2,137 a month — comfortable on household income around $83,000, above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in Jefferson County
FHA payments across Jefferson County price points — from entry homes near Jefferson County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $186,000 | $6,510 | $1,573 |
| Local median — $258,000 | $9,030 | $2,137 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near Jefferson County too — get notified.
In Jefferson County and the surrounding Jefferson County market, FHA's appeal is the math: $9,030 down on a $258,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Jefferson County
Jefferson County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Jefferson 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 Jefferson County for 2026?
- In Jefferson County (Jefferson 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 Jefferson County with FHA?
- For a median-priced ($258,000) Jefferson County home, plan on income around $83,000 at a 31% housing ratio — about $2,137/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Jefferson County?
- 3.5% with a 580+ score — roughly $9,030 on a $258,000 Jefferson County-area home. Gift funds are allowed.
- Is Jefferson County a high-cost FHA area?
- No — Jefferson County uses the $541,287 national floor for one unit.