FHA Loan Limits in Carbon County, Wyoming (2026)
From Carbon County, FHA buyers in Carbon 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 |
From Carbon County to the edges of Carbon County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Laramie and Natrona Counties.
What can you buy with FHA in Carbon County?
Homes around Carbon County carry an estimated local median near $296,000, so an FHA buyer in Carbon County puts down about $10,360 (3.5%). With Wyoming's 0.61% effective property-tax rate, the all-in payment runs near $2,188 a month — comfortable on household income around $85,000, above Wyoming's $72,495 median household income, so budget carefully.
FHA payment scenarios in Carbon County
Whether you are buying in Carbon County or a smaller Carbon 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 — $213,000 | $7,455 | $1,607 |
| Local median — $296,000 | $10,360 | $2,188 |
| At the FHA limit — $541,287 | $18,945 | $3,904 |
Estimates include FHA MIP plus Wyoming property taxes and insurance. Rates move daily near Carbon County too — get notified.
First-time buyers make up much of FHA activity in Carbon County and across Carbon County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,360 needed on a median Carbon County home.
Multi-unit FHA limits in Carbon County
Investors and house-hackers in Carbon County and across Carbon 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 Carbon County for 2026?
- In Carbon County (Carbon 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 Carbon County with FHA?
- For a median-priced ($296,000) Carbon County home, plan on income around $85,000 at a 31% housing ratio — about $2,188/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Carbon County?
- 3.5% with a 580+ score — roughly $10,360 on a $296,000 Carbon County-area home. Gift funds are allowed.
- Is Carbon County a high-cost FHA area?
- No — Carbon County uses the $541,287 national floor for one unit.