FHA Loan Limits in Teton County, Wyoming (2026)
In Teton County — anchored by Teton 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 |
From Teton County to the edges of Teton County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Laramie and Natrona Counties.
Affording a home in Teton County & Teton County
With Teton County's median sale price estimated near $302,000 (think Teton County), the FHA down payment is roughly $10,570. Factoring Wyoming property taxes near 0.61%, expect about $2,230 monthly, pointing to income near $86,000 — above Wyoming's $72,495 median household income, so budget carefully.
FHA payment scenarios in Teton County
Here is what an FHA payment looks like at three Teton County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $217,000 | $7,595 | $1,635 |
| Local median — $302,000 | $10,570 | $2,230 |
| At the FHA limit — $541,287 | $18,945 | $3,904 |
Estimates include FHA MIP plus Wyoming property taxes and insurance. Rates move daily near Teton County too — get notified.
First-time buyers make up much of FHA activity in Teton County and across Teton County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,570 needed on a median Teton County home.
Multi-unit FHA limits in Teton County
Looking at a duplex or fourplex near Teton County? FHA allows up to $692,997 on two units and $1,041,072 on four in Teton 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 Teton County for 2026?
- In Teton County (Teton 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 Teton County with FHA?
- For a median-priced ($302,000) Teton County home, plan on income around $86,000 at a 31% housing ratio — about $2,230/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Teton County?
- 3.5% with a 580+ score — roughly $10,570 on a $302,000 Teton County-area home. Gift funds are allowed.
- Is Teton County a high-cost FHA area?
- No — Teton County uses the $541,287 national floor for one unit.