FHA Loan Limits in Rock County, Wisconsin (2026)
From Rock County, FHA buyers in Rock 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 |
From Rock County to the edges of Rock County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Milwaukee and Dane Counties.
What can you buy with FHA in Rock County?
Homes around Rock County carry an estimated local median near $325,000, so an FHA buyer in Rock County puts down about $11,375 (3.5%). With Wisconsin's 1.61% effective property-tax rate, the all-in payment runs near $2,661 a month — comfortable on household income around $103,000, above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in Rock County
Whether you are buying in Rock County or a smaller Rock 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 — $234,000 | $8,190 | $1,949 |
| Local median — $325,000 | $11,375 | $2,661 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near Rock County too — get notified.
First-time buyers make up much of FHA activity in Rock County and across Rock County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $11,375 needed on a median Rock County home.
Multi-unit FHA limits in Rock County
Investors and house-hackers in Rock County and across Rock 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 Rock County for 2026?
- In Rock County (Rock 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 Rock County with FHA?
- For a median-priced ($325,000) Rock County home, plan on income around $103,000 at a 31% housing ratio — about $2,661/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Rock County?
- 3.5% with a 580+ score — roughly $11,375 on a $325,000 Rock County-area home. Gift funds are allowed.
- Is Rock County a high-cost FHA area?
- No — Rock County uses the $541,287 national floor for one unit.