FHA Loan Limits in Goshen County, Wyoming (2026)
In Goshen County — anchored by Goshen 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 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 Goshen County to the edges of Goshen County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Laramie and Natrona Counties.
Affording a home in Goshen County & Goshen County
Homes around Goshen County carry an estimated local median near $302,000, so an FHA buyer in Goshen County puts down about $10,570 (3.5%). With Wyoming's 0.61% effective property-tax rate, the all-in payment runs near $2,230 a month — comfortable on household income around $86,000, above Wyoming's $72,495 median household income, so budget carefully.
FHA payment scenarios in Goshen County
FHA payments across Goshen County price points — from entry homes near Goshen County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $217,000 | $7,595 | $1,635 |
| Local median — $302,000 | $10,570 | $2,230 |
| At the FHA limit — $541,287 | $18,945 | $3,904 |
Estimates include FHA MIP plus Wyoming property taxes and insurance. Rates move daily near Goshen County too — get notified.
First-time buyers make up much of FHA activity in Goshen County and across Goshen County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,570 needed on a median Goshen County home.
Multi-unit FHA limits in Goshen County
Goshen County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Goshen 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 Goshen County for 2026?
- In Goshen County (Goshen 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 Goshen County with FHA?
- For a median-priced ($302,000) Goshen County home, plan on income around $86,000 at a 31% housing ratio — about $2,230/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Goshen County?
- 3.5% with a 580+ score — roughly $10,570 on a $302,000 Goshen County-area home. Gift funds are allowed.
- Is Goshen County a high-cost FHA area?
- No — Goshen County uses the $541,287 national floor for one unit.