FHA Loan Limits in Laramie County, Wyoming (2026)
From Laramie County, FHA buyers in Laramie 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 Laramie County — Laramie County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Natrona and Campbell Counties.
What can you buy with FHA in Laramie County?
An FHA buyer near Laramie County faces an estimated $296,000 median, a $10,360 down payment, and — after Wyoming's 0.61% property tax — a monthly cost around $2,188. That suits household income of roughly $85,000, above Wyoming's $72,495 median household income, so budget carefully.
FHA payment scenarios in Laramie County
FHA payments across Laramie County price points — from entry homes near Laramie County to the county's FHA limit (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 Laramie County too — get notified.
Buyers across Laramie County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $10,360 down payment near Laramie County into little out of pocket.
Multi-unit FHA limits in Laramie County
Laramie County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Laramie 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 Laramie County for 2026?
- In Laramie County (Laramie 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 Laramie County with FHA?
- For a median-priced ($296,000) Laramie 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 Laramie County?
- 3.5% with a 580+ score — roughly $10,360 on a $296,000 Laramie County-area home. Gift funds are allowed.
- Is Laramie County a high-cost FHA area?
- No — Laramie County uses the $541,287 national floor for one unit.