FHA Loan Limits in Sheboygan County, Wisconsin (2026)
Buying in Sheboygan County or elsewhere in Sheboygan 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 |
From Sheboygan County to the edges of Sheboygan County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Milwaukee and Dane Counties.
FHA affordability around Sheboygan County
An FHA buyer near Sheboygan County faces an estimated $261,000 median, a $9,135 down payment, and — after Wisconsin's 1.61% property tax — a monthly cost around $2,160. That suits household income of roughly $84,000, above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in Sheboygan County
Whether you are buying in Sheboygan County or a smaller Sheboygan 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 — $188,000 | $6,580 | $1,589 |
| Local median — $261,000 | $9,135 | $2,160 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near Sheboygan County too — get notified.
First-time buyers make up much of FHA activity in Sheboygan County and across Sheboygan County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $9,135 needed on a median Sheboygan County home.
Multi-unit FHA limits in Sheboygan County
Investors and house-hackers in Sheboygan County and across Sheboygan 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.
Never Miss an FHA Rate Change
We track HUD and FHA so you can move at the right moment — free, no pressure.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Sheboygan County for 2026?
- In Sheboygan County (Sheboygan 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 Sheboygan County with FHA?
- For a median-priced ($261,000) Sheboygan County home, plan on income around $84,000 at a 31% housing ratio — about $2,160/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sheboygan County?
- 3.5% with a 580+ score — roughly $9,135 on a $261,000 Sheboygan County-area home. Gift funds are allowed.
- Is Sheboygan County a high-cost FHA area?
- No — Sheboygan County uses the $541,287 national floor for one unit.