FHA Loan Limits in Washakie County, Wyoming (2026)
From Washakie County, FHA buyers in Washakie 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 |
From Washakie County to the edges of Washakie County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Laramie and Natrona Counties.
What can you buy with FHA in Washakie County?
Homes around Washakie County carry an estimated local median near $385,000, so an FHA buyer in Washakie County puts down about $13,475 (3.5%). With Wyoming's 0.61% effective property-tax rate, the all-in payment runs near $2,810 a month — comfortable on household income around $109,000, above Wyoming's $72,495 median household income, so budget carefully.
FHA payment scenarios in Washakie County
Here is what an FHA payment looks like at three Washakie County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $277,000 | $9,695 | $2,055 |
| Local median — $385,000 | $13,475 | $2,810 |
| At the FHA limit — $541,287 | $18,945 | $3,904 |
Estimates include FHA MIP plus Wyoming property taxes and insurance. Rates move daily near Washakie County too — get notified.
First-time buyers make up much of FHA activity in Washakie County and across Washakie County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,475 needed on a median Washakie County home.
Multi-unit FHA limits in Washakie County
Looking at a duplex or fourplex near Washakie County? FHA allows up to $692,997 on two units and $1,041,072 on four in Washakie 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 Washakie County for 2026?
- In Washakie County (Washakie 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 Washakie County with FHA?
- For a median-priced ($385,000) Washakie County home, plan on income around $109,000 at a 31% housing ratio — about $2,810/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Washakie County?
- 3.5% with a 580+ score — roughly $13,475 on a $385,000 Washakie County-area home. Gift funds are allowed.
- Is Washakie County a high-cost FHA area?
- No — Washakie County uses the $541,287 national floor for one unit.