FHA Loan Limits in Marathon County, Wisconsin (2026)
In Marathon County — anchored by Marathon 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 Marathon County, from Marathon County outward, and sit alongside the limits set for neighboring Milwaukee and Dane Counties.
Affording a home in Marathon County & Marathon County
With Marathon County's median sale price estimated near $328,000 (think Marathon County), the FHA down payment is roughly $11,480. Factoring Wisconsin property taxes near 1.61%, expect about $2,685 monthly, pointing to income near $104,000 — above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in Marathon County
Here is what an FHA payment looks like at three Marathon County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $236,000 | $8,260 | $1,964 |
| Local median — $328,000 | $11,480 | $2,685 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near Marathon County too — get notified.
In Marathon County and the surrounding Marathon County market, FHA's appeal is the math: $11,480 down on a $328,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Marathon County
Looking at a duplex or fourplex near Marathon County? FHA allows up to $692,997 on two units and $1,041,072 on four in Marathon County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Marathon County for 2026?
- In Marathon County (Marathon 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 Marathon County with FHA?
- For a median-priced ($328,000) Marathon County home, plan on income around $104,000 at a 31% housing ratio — about $2,685/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Marathon County?
- 3.5% with a 580+ score — roughly $11,480 on a $328,000 Marathon County-area home. Gift funds are allowed.
- Is Marathon County a high-cost FHA area?
- No — Marathon County uses the $541,287 national floor for one unit.