FHA Loan Limits in Portage County, Wisconsin (2026)
In Portage County — anchored by Portage 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 Portage County, from Portage County outward, and sit alongside the limits set for neighboring Milwaukee and Dane Counties.
Affording a home in Portage County & Portage County
With Portage County's median sale price estimated near $246,000 (think Portage County), the FHA down payment is roughly $8,610. Factoring Wisconsin property taxes near 1.61%, expect about $2,043 monthly, pointing to income near $79,000 — above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in Portage County
Here is what an FHA payment looks like at three Portage County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $177,000 | $6,195 | $1,503 |
| Local median — $246,000 | $8,610 | $2,043 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near Portage County too — get notified.
In Portage County and the surrounding Portage County market, FHA's appeal is the math: $8,610 down on a $246,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Portage County
Looking at a duplex or fourplex near Portage County? FHA allows up to $692,997 on two units and $1,041,072 on four in Portage 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 Portage County for 2026?
- In Portage County (Portage 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 Portage County with FHA?
- For a median-priced ($246,000) Portage County home, plan on income around $79,000 at a 31% housing ratio — about $2,043/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Portage County?
- 3.5% with a 580+ score — roughly $8,610 on a $246,000 Portage County-area home. Gift funds are allowed.
- Is Portage County a high-cost FHA area?
- No — Portage County uses the $541,287 national floor for one unit.