FHA Loan Limits in Ozaukee County, Wisconsin (2026)
Buying in Ozaukee County or elsewhere in Ozaukee 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 |
These 2026 limits apply throughout Ozaukee County, from Ozaukee County outward, and sit alongside the limits set for neighboring Milwaukee and Dane Counties.
FHA affordability around Ozaukee County
Homes around Ozaukee County carry an estimated local median near $297,000, so an FHA buyer in Ozaukee County puts down about $10,395 (3.5%). With Wisconsin's 1.61% effective property-tax rate, the all-in payment runs near $2,442 a month — comfortable on household income around $95,000, above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in Ozaukee County
FHA payments across Ozaukee County price points — from entry homes near Ozaukee County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $214,000 | $7,490 | $1,792 |
| Local median — $297,000 | $10,395 | $2,442 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near Ozaukee County too — get notified.
In Ozaukee County and the surrounding Ozaukee County market, FHA's appeal is the math: $10,395 down on a $297,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Ozaukee County
Ozaukee County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Ozaukee 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 Ozaukee County for 2026?
- In Ozaukee County (Ozaukee 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 Ozaukee County with FHA?
- For a median-priced ($297,000) Ozaukee County home, plan on income around $95,000 at a 31% housing ratio — about $2,442/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Ozaukee County?
- 3.5% with a 580+ score — roughly $10,395 on a $297,000 Ozaukee County-area home. Gift funds are allowed.
- Is Ozaukee County a high-cost FHA area?
- No — Ozaukee County uses the $541,287 national floor for one unit.