FHA Loan Limits in Racine County, Wisconsin (2026)
Buying in Racine County or elsewhere in Racine 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 Racine County, from Racine County outward, and sit alongside the limits set for neighboring Milwaukee and Dane Counties.
FHA affordability around Racine County
Homes around Racine County carry an estimated local median near $294,000, so an FHA buyer in Racine County puts down about $10,290 (3.5%). With Wisconsin's 1.61% effective property-tax rate, the all-in payment runs near $2,419 a month — comfortable on household income around $94,000, above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in Racine County
Here is what an FHA payment looks like at three Racine County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $212,000 | $7,420 | $1,777 |
| Local median — $294,000 | $10,290 | $2,419 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near Racine County too — get notified.
In Racine County and the surrounding Racine County market, FHA's appeal is the math: $10,290 down on a $294,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Racine County
Looking at a duplex or fourplex near Racine County? FHA allows up to $692,997 on two units and $1,041,072 on four in Racine 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 Racine County for 2026?
- In Racine County (Racine 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 Racine County with FHA?
- For a median-priced ($294,000) Racine County home, plan on income around $94,000 at a 31% housing ratio — about $2,419/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Racine County?
- 3.5% with a 580+ score — roughly $10,290 on a $294,000 Racine County-area home. Gift funds are allowed.
- Is Racine County a high-cost FHA area?
- No — Racine County uses the $541,287 national floor for one unit.