FHA Loan Limits in Albany County, Wyoming (2026)
From Albany County, FHA buyers in Albany 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 Mountain West.
| 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 Albany County — Albany County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Laramie and Natrona Counties.
What can you buy with FHA in Albany County?
With Albany County's median sale price estimated near $371,000 (think Albany County), the FHA down payment is roughly $12,985. Factoring Wyoming property taxes near 0.61%, expect about $2,712 monthly, pointing to income near $105,000 — above Wyoming's $72,495 median household income, so budget carefully.
FHA payment scenarios in Albany County
Here is what an FHA payment looks like at three Albany County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $267,000 | $9,345 | $1,985 |
| Local median — $371,000 | $12,985 | $2,712 |
| At the FHA limit — $541,287 | $18,945 | $3,904 |
Estimates include FHA MIP plus Wyoming property taxes and insurance. Rates move daily near Albany County too — get notified.
Buyers across Albany County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,985 down payment near Albany County into little out of pocket.
Multi-unit FHA limits in Albany County
Looking at a duplex or fourplex near Albany County? FHA allows up to $692,997 on two units and $1,041,072 on four in Albany 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 Albany County for 2026?
- In Albany County (Albany 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 Albany County with FHA?
- For a median-priced ($371,000) Albany County home, plan on income around $105,000 at a 31% housing ratio — about $2,712/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Albany County?
- 3.5% with a 580+ score — roughly $12,985 on a $371,000 Albany County-area home. Gift funds are allowed.
- Is Albany County a high-cost FHA area?
- No — Albany County uses the $541,287 national floor for one unit.