Wyoming FHA Loan Limits 2026

View FHA loan limits for all 23 counties in Wyoming. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$1,249,125

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Wyoming has 21 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
Albany County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Big Horn Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Campbell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carbon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Converse Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Crook County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fremont County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Goshen County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hot Springs Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Johnson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Laramie County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lincoln County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Natrona County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Niobrara Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Park County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Platte 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
Sublette Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sweetwater Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Teton County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Uinta County	$579,600	$742,000	$896,900	$1,114,650	High-Cost	Calculate
Washakie Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Weston County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Wyoming

Use the calculator below with Wyoming 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.

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Understanding FHA Loan Limits in Wyoming

FHA loan limits in Wyoming vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Wyoming's single-family FHA limits range from $541,287 to $1,249,125.

The variation in limits reflects differences in median home prices across Wyoming'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.