FHA Loan Limits in Johnson County, Wyoming (2026)
Johnson County and the rest of Johnson County, Wyoming fall under a 2026 one-unit FHA limit of $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 |
Every community in Johnson County — Johnson County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Laramie and Natrona Counties.
How much home can you afford in Johnson County?
Homes around Johnson County carry an estimated local median near $296,000, so an FHA buyer in Johnson 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 Johnson County
Whether you are buying in Johnson County or a smaller Johnson 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 Johnson County too — get notified.
Buyers across Johnson County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $10,360 down payment near Johnson County into little out of pocket.
Multi-unit FHA limits in Johnson County
Investors and house-hackers in Johnson County and across Johnson 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 Johnson County for 2026?
- In Johnson County (Johnson 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 Johnson County with FHA?
- For a median-priced ($296,000) Johnson 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 Johnson County?
- 3.5% with a 580+ score — roughly $10,360 on a $296,000 Johnson County-area home. Gift funds are allowed.
- Is Johnson County a high-cost FHA area?
- No — Johnson County uses the $541,287 national floor for one unit.