FHA Loan Limits in Natrona County, Wyoming (2026)
From Natrona County, FHA buyers in Natrona 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 Natrona County — Natrona County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Laramie and Campbell Counties.
What can you buy with FHA in Natrona County?
With Natrona County's median sale price estimated near $315,000 (think Natrona County), the FHA down payment is roughly $11,025. Factoring Wyoming property taxes near 0.61%, expect about $2,320 monthly, pointing to income near $90,000 — above Wyoming's $72,495 median household income, so budget carefully.
FHA payment scenarios in Natrona County
Here is what an FHA payment looks like at three Natrona County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $227,000 | $7,945 | $1,705 |
| Local median — $315,000 | $11,025 | $2,320 |
| At the FHA limit — $541,287 | $18,945 | $3,904 |
Estimates include FHA MIP plus Wyoming property taxes and insurance. Rates move daily near Natrona County too — get notified.
Buyers across Natrona County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $11,025 down payment near Natrona County into little out of pocket.
Multi-unit FHA limits in Natrona County
Looking at a duplex or fourplex near Natrona County? FHA allows up to $692,997 on two units and $1,041,072 on four in Natrona County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Natrona County for 2026?
- In Natrona County (Natrona 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 Natrona County with FHA?
- For a median-priced ($315,000) Natrona County home, plan on income around $90,000 at a 31% housing ratio — about $2,320/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Natrona County?
- 3.5% with a 580+ score — roughly $11,025 on a $315,000 Natrona County-area home. Gift funds are allowed.
- Is Natrona County a high-cost FHA area?
- No — Natrona County uses the $541,287 national floor for one unit.