FHA Loan Limits in Winnebago County, Wisconsin (2026)
In Winnebago County — anchored by Winnebago County — the 2026 FHA loan limit for a single-family home 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 Winnebago County to the edges of Winnebago County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Milwaukee and Dane Counties.
Affording a home in Winnebago County & Winnebago County
With Winnebago County's median sale price estimated near $283,000 (think Winnebago County), the FHA down payment is roughly $9,905. Factoring Wisconsin property taxes near 1.61%, expect about $2,332 monthly, pointing to income near $90,000 — above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in Winnebago County
Here is what an FHA payment looks like at three Winnebago County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $204,000 | $7,140 | $1,714 |
| Local median — $283,000 | $9,905 | $2,332 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near Winnebago County too — get notified.
First-time buyers make up much of FHA activity in Winnebago County and across Winnebago County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $9,905 needed on a median Winnebago County home.
Multi-unit FHA limits in Winnebago County
Looking at a duplex or fourplex near Winnebago County? FHA allows up to $692,997 on two units and $1,041,072 on four in Winnebago 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 Winnebago County for 2026?
- In Winnebago County (Winnebago 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 Winnebago County with FHA?
- For a median-priced ($283,000) Winnebago County home, plan on income around $90,000 at a 31% housing ratio — about $2,332/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Winnebago County?
- 3.5% with a 580+ score — roughly $9,905 on a $283,000 Winnebago County-area home. Gift funds are allowed.
- Is Winnebago County a high-cost FHA area?
- No — Winnebago County uses the $541,287 national floor for one unit.