FHA Loan Limits in Sublette County, Wyoming (2026)
Buying in Sublette County or elsewhere in Sublette County? The 2026 FHA single-family limit across the county 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 |
Every community in Sublette County — Sublette County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Laramie and Natrona Counties.
FHA affordability around Sublette County
Homes around Sublette County carry an estimated local median near $395,000, so an FHA buyer in Sublette County puts down about $13,825 (3.5%). With Wyoming's 0.61% effective property-tax rate, the all-in payment runs near $2,880 a month — comfortable on household income around $111,000, above Wyoming's $72,495 median household income, so budget carefully.
FHA payment scenarios in Sublette County
FHA payments across Sublette County price points — from entry homes near Sublette County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $284,000 | $9,940 | $2,104 |
| Local median — $395,000 | $13,825 | $2,880 |
| At the FHA limit — $541,287 | $18,945 | $3,904 |
Estimates include FHA MIP plus Wyoming property taxes and insurance. Rates move daily near Sublette County too — get notified.
Buyers across Sublette County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $13,825 down payment near Sublette County into little out of pocket.
Multi-unit FHA limits in Sublette County
Sublette County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Sublette County can live in one unit and rent the rest to offset the mortgage.
Stay Ahead of FHA Rule Changes
Free to join in under 30 seconds. Get notified when it is time to act.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Sublette County for 2026?
- In Sublette County (Sublette 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 Sublette County with FHA?
- For a median-priced ($395,000) Sublette County home, plan on income around $111,000 at a 31% housing ratio — about $2,880/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sublette County?
- 3.5% with a 580+ score — roughly $13,825 on a $395,000 Sublette County-area home. Gift funds are allowed.
- Is Sublette County a high-cost FHA area?
- No — Sublette County uses the $541,287 national floor for one unit.