Kansas FHA Loan Limits 2026

View FHA loan limits for all 105 counties in Kansas. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

105

Lowest Limit

$541,287

Highest Limit

$541,287

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Kansas has 105 standard-limit counties. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Allen County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Anderson Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Atchison Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Barber County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Barton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bourbon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brown County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Butler County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chase County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chautauqua Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cherokee Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cheyenne Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clark County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cloud County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Coffey County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Comanche Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cowley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Crawford Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Decatur County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dickinson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Doniphan Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Douglas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Edwards County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Elk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ellis County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ellsworth Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Finney County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ford County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Franklin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Geary County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gove County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Graham County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grant County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gray County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Greeley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Greenwood Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hamilton Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Harper County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Harvey County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Haskell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hodgeman Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jewell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Johnson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kearny County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kingman County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kiowa County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Labette County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lane County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Leavenworth Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lincoln County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Linn County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Logan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lyon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marion County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marshall Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mcpherson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Meade County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Miami County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mitchell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Montgomery Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Morris County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Morton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nemaha County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Neosho County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ness County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Norton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Osage County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Osborne County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ottawa County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pawnee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Phillips Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pottawatomie C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pratt County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rawlins County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Reno County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Republic Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rice County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Riley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rooks County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rush County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Russell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Saline County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Scott County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sedgwick Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Seward County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Shawnee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sheridan Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sherman County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Smith County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stafford Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stanton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stevens County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sumner County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Thomas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Trego County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wabaunsee Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wallace County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wichita County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wilson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Woodson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wyandotte Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Kansas

Use the calculator below with Kansas pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

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Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

Related Calculators

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Understanding FHA Loan Limits in Kansas

FHA loan limits in Kansas vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Kansas's single-family FHA limits range from $541,287 to $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.