FHA Loan Limits in St. Croix County, Wisconsin (2026)
Buying in St. Croix County or elsewhere in St. Croix 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 St. Croix County, from St. Croix County outward, and sit alongside the limits set for neighboring Milwaukee and Dane Counties.
FHA affordability around St. Croix County
Homes around St. Croix County carry an estimated local median near $255,000, so an FHA buyer in St. Croix County puts down about $8,925 (3.5%). With Wisconsin's 1.61% effective property-tax rate, the all-in payment runs near $2,113 a month — comfortable on household income around $82,000, above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in St. Croix County
FHA payments across St. Croix County price points — from entry homes near St. Croix County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $184,000 | $6,440 | $1,557 |
| Local median — $255,000 | $8,925 | $2,113 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near St. Croix County too — get notified.
In St. Croix County and the surrounding St. Croix County market, FHA's appeal is the math: $8,925 down on a $255,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in St. Croix County
St. Croix County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in St. Croix 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 St. Croix County for 2026?
- In St. Croix County (St. Croix 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 St. Croix County with FHA?
- For a median-priced ($255,000) St. Croix County home, plan on income around $82,000 at a 31% housing ratio — about $2,113/month including taxes, insurance, and MIP.
- How much is the FHA down payment in St. Croix County?
- 3.5% with a 580+ score — roughly $8,925 on a $255,000 St. Croix County-area home. Gift funds are allowed.
- Is St. Croix County a high-cost FHA area?
- No — St. Croix County uses the $541,287 national floor for one unit.