Wisconsin FHA Loan Limits 2026

View FHA loan limits for all 72 counties in Wisconsin. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$552,000

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Wisconsin has 70 standard-limit counties and 2 high-cost areas. 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
Adams County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ashland County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Barron County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bayfield Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brown County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Buffalo County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Burnett County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Calumet County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chippewa 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
Columbia Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Crawford Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dane County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dodge County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Door County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Douglas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dunn County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Eau Claire Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Florence Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fond Du Lac Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Forest 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
Green County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Green Lake Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Iowa County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Iron County	$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
Juneau County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kenosha County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kewaunee Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
La Crosse Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lafayette Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Langlade Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lincoln County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Manitowoc Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marathon Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marinette Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marquette Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Menominee Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Milwaukee Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Monroe County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Oconto County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Oneida County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Outagamie Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ozaukee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pepin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pierce County	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Polk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Portage County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Price County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Racine County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Richland Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rock County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rusk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sauk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sawyer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Shawano County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sheboygan Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Croix Coun	$552,000	$706,650	$854,200	$1,061,550	High-Cost	Calculate
Taylor County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Trempealeau Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Vernon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Vilas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Walworth Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washburn Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Waukesha Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Waupaca County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Waushara Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Winnebago Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wood County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Wisconsin

Use the calculator below with Wisconsin 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.

Free, no obligation. Local professionals compete to help you.

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.

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Understanding FHA Loan Limits in Wisconsin

FHA loan limits in Wisconsin vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Wisconsin's single-family FHA limits range from $541,287 to $552,000.

The variation in limits reflects differences in median home prices across Wisconsin's counties. 2 counties are designated as high-cost areas with limits above the national floor of $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.