FHA Loan Limits in Wood County, Wisconsin (2026)
From Wood County, FHA buyers in Wood 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 |
These 2026 limits apply throughout Wood County, from Wood County outward, and sit alongside the limits set for neighboring Milwaukee and Dane Counties.
What can you buy with FHA in Wood County?
With Wood County's median sale price estimated near $283,000 (think Wood 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 Wood County
Whether you are buying in Wood County or a smaller Wood 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 — $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 Wood County too — get notified.
In Wood County and the surrounding Wood County market, FHA's appeal is the math: $9,905 down on a $283,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Wood County
Investors and house-hackers in Wood County and across Wood 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 Wood County for 2026?
- In Wood County (Wood 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 Wood County with FHA?
- For a median-priced ($283,000) Wood 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 Wood County?
- 3.5% with a 580+ score — roughly $9,905 on a $283,000 Wood County-area home. Gift funds are allowed.
- Is Wood County a high-cost FHA area?
- No — Wood County uses the $541,287 national floor for one unit.