FHA Loan Limits in Fremont County, Wyoming (2026)
From Fremont County, FHA buyers in Fremont 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 Fremont County — Fremont 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 Fremont County?
With Fremont County's median sale price estimated near $319,000 (think Fremont County), the FHA down payment is roughly $11,165. Factoring Wyoming property taxes near 0.61%, expect about $2,348 monthly, pointing to income near $91,000 — above Wyoming's $72,495 median household income, so budget carefully.
FHA payment scenarios in Fremont County
FHA payments across Fremont County price points — from entry homes near Fremont County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $230,000 | $8,050 | $1,726 |
| Local median — $319,000 | $11,165 | $2,348 |
| At the FHA limit — $541,287 | $18,945 | $3,904 |
Estimates include FHA MIP plus Wyoming property taxes and insurance. Rates move daily near Fremont County too — get notified.
Buyers across Fremont County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $11,165 down payment near Fremont County into little out of pocket.
Multi-unit FHA limits in Fremont County
Fremont County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Fremont County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Fremont County for 2026?
- In Fremont County (Fremont 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 Fremont County with FHA?
- For a median-priced ($319,000) Fremont County home, plan on income around $91,000 at a 31% housing ratio — about $2,348/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Fremont County?
- 3.5% with a 580+ score — roughly $11,165 on a $319,000 Fremont County-area home. Gift funds are allowed.
- Is Fremont County a high-cost FHA area?
- No — Fremont County uses the $541,287 national floor for one unit.