FHA Loan Limits in Sweetwater County, Wyoming (2026)
Sweetwater County and the rest of Sweetwater 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 |
From Sweetwater County to the edges of Sweetwater County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Laramie and Natrona Counties.
How much home can you afford in Sweetwater County?
An FHA buyer near Sweetwater County faces an estimated $299,000 median, a $10,465 down payment, and — after Wyoming's 0.61% property tax — a monthly cost around $2,209. That suits household income of roughly $85,000, above Wyoming's $72,495 median household income, so budget carefully.
FHA payment scenarios in Sweetwater County
FHA payments across Sweetwater County price points — from entry homes near Sweetwater County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $215,000 | $7,525 | $1,621 |
| Local median — $299,000 | $10,465 | $2,209 |
| At the FHA limit — $541,287 | $18,945 | $3,904 |
Estimates include FHA MIP plus Wyoming property taxes and insurance. Rates move daily near Sweetwater County too — get notified.
First-time buyers make up much of FHA activity in Sweetwater County and across Sweetwater County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,465 needed on a median Sweetwater County home.
Multi-unit FHA limits in Sweetwater County
Sweetwater County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Sweetwater 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 Sweetwater County for 2026?
- In Sweetwater County (Sweetwater 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 Sweetwater County with FHA?
- For a median-priced ($299,000) Sweetwater County home, plan on income around $85,000 at a 31% housing ratio — about $2,209/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sweetwater County?
- 3.5% with a 580+ score — roughly $10,465 on a $299,000 Sweetwater County-area home. Gift funds are allowed.
- Is Sweetwater County a high-cost FHA area?
- No — Sweetwater County uses the $541,287 national floor for one unit.