FHA Loan Limits in Walworth County, Wisconsin (2026)
Buying in Walworth County or elsewhere in Walworth 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 |
Every community in Walworth County — Walworth County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Milwaukee and Dane Counties.
FHA affordability around Walworth County
An FHA buyer near Walworth County faces an estimated $311,000 median, a $10,885 down payment, and — after Wisconsin's 1.61% property tax — a monthly cost around $2,552. That suits household income of roughly $99,000, above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in Walworth County
Whether you are buying in Walworth County or a smaller Walworth 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 — $224,000 | $7,840 | $1,870 |
| Local median — $311,000 | $10,885 | $2,552 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near Walworth County too — get notified.
Buyers across Walworth County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $10,885 down payment near Walworth County into little out of pocket.
Multi-unit FHA limits in Walworth County
Investors and house-hackers in Walworth County and across Walworth 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 Walworth County for 2026?
- In Walworth County (Walworth 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 Walworth County with FHA?
- For a median-priced ($311,000) Walworth County home, plan on income around $99,000 at a 31% housing ratio — about $2,552/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Walworth County?
- 3.5% with a 580+ score — roughly $10,885 on a $311,000 Walworth County-area home. Gift funds are allowed.
- Is Walworth County a high-cost FHA area?
- No — Walworth County uses the $541,287 national floor for one unit.