FHA Loan Limits in Manitowoc County, Wisconsin (2026)
From Manitowoc County, FHA buyers in Manitowoc 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 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 |
Every community in Manitowoc County — Manitowoc County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Milwaukee and Dane Counties.
What can you buy with FHA in Manitowoc County?
An FHA buyer near Manitowoc County faces an estimated $339,000 median, a $11,865 down payment, and — after Wisconsin's 1.61% property tax — a monthly cost around $2,771. That suits household income of roughly $107,000, above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in Manitowoc County
Whether you are buying in Manitowoc County or a smaller Manitowoc County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $244,000 | $8,540 | $2,027 |
| Local median — $339,000 | $11,865 | $2,771 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near Manitowoc County too — get notified.
Buyers across Manitowoc County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $11,865 down payment near Manitowoc County into little out of pocket.
Multi-unit FHA limits in Manitowoc County
Investors and house-hackers in Manitowoc County and across Manitowoc County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Manitowoc County for 2026?
- In Manitowoc County (Manitowoc 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 Manitowoc County with FHA?
- For a median-priced ($339,000) Manitowoc County home, plan on income around $107,000 at a 31% housing ratio — about $2,771/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Manitowoc County?
- 3.5% with a 580+ score — roughly $11,865 on a $339,000 Manitowoc County-area home. Gift funds are allowed.
- Is Manitowoc County a high-cost FHA area?
- No — Manitowoc County uses the $541,287 national floor for one unit.