FHA Loan Limits in Sheridan County, Wyoming (2026)
In Sheridan County — anchored by Sheridan 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 |
These 2026 limits apply throughout Sheridan County, from Sheridan County outward, and sit alongside the limits set for neighboring Laramie and Natrona Counties.
Affording a home in Sheridan County & Sheridan County
Homes around Sheridan County carry an estimated local median near $345,000, so an FHA buyer in Sheridan County puts down about $12,075 (3.5%). With Wyoming's 0.61% effective property-tax rate, the all-in payment runs near $2,530 a month — comfortable on household income around $98,000, above Wyoming's $72,495 median household income, so budget carefully.
FHA payment scenarios in Sheridan County
Whether you are buying in Sheridan County or a smaller Sheridan 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 — $248,000 | $8,680 | $1,852 |
| Local median — $345,000 | $12,075 | $2,530 |
| At the FHA limit — $541,287 | $18,945 | $3,904 |
Estimates include FHA MIP plus Wyoming property taxes and insurance. Rates move daily near Sheridan County too — get notified.
In Sheridan County and the surrounding Sheridan County market, FHA's appeal is the math: $12,075 down on a $345,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Sheridan County
Investors and house-hackers in Sheridan County and across Sheridan 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 Sheridan County for 2026?
- In Sheridan County (Sheridan 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 Sheridan County with FHA?
- For a median-priced ($345,000) Sheridan County home, plan on income around $98,000 at a 31% housing ratio — about $2,530/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sheridan County?
- 3.5% with a 580+ score — roughly $12,075 on a $345,000 Sheridan County-area home. Gift funds are allowed.
- Is Sheridan County a high-cost FHA area?
- No — Sheridan County uses the $541,287 national floor for one unit.