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2019 FHA Loan Limits in Wyoming

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

If you’re looking to buy a house in Wyoming, you probably already know the state boasts the nation’s smallest population and the lowest population density. Its rural nature makes Wyoming the perfect place for homeowners who want to enjoy the natural wonders of the West without living right on top of their neighbors.Wyoming is also a state where homeownership is a reality for a large portion of the population: The U.S. Census Bureau estimates that more than 69% of the homes in the state are occupied by their owners.

So how do you make your Wyoming homeownership dreams come true? One popular option is a loan backed by the Federal Housing Administration (FHA). Last year, 0.23% of the nation’s FHA loans originated in Wyoming, where buyers took advantage of the federal backing to access benefits like lower interest rates and smaller down payments.

But keep in mind that FHA loans are subject to limits on the amount you can borrow. Those limits change every year to keep up with housing prices across the country. This year, FHA loan limits have climbed in Wyoming, allowing potential buyers who qualify for an FHA loan to borrow up to $314,827 for a single-family home.

Wyoming FHA Loan Limits by County

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
ALBANY$314,827$403,125$487,250$605,525$239,000
BIG HORN$314,827$403,125$487,250$605,525$139,000
CAMPBELL$314,827$403,125$487,250$605,525$228,000
CARBON$314,827$403,125$487,250$605,525$174,000
CONVERSE$314,827$403,125$487,250$605,525$207,000
CROOK$314,827$403,125$487,250$605,525$199,000
FREMONT$314,827$403,125$487,250$605,525$77,000
GOSHEN$314,827$403,125$487,250$605,525$159,000
HOT SPRINGS$314,827$403,125$487,250$605,525$157,000
JOHNSON$314,827$403,125$487,250$605,525$225,000
LARAMIE$314,827$403,125$487,250$605,525$243,000
LINCOLN$314,827$403,125$487,250$605,525$253,000
NATRONA$314,827$403,125$487,250$605,525$215,000
NIOBRARA$314,827$403,125$487,250$605,525$165,000
PARK$314,827$403,125$487,250$605,525$241,000
PLATTE$314,827$403,125$487,250$605,525$175,000
SHERIDAN$314,827$403,125$487,250$605,525$253,000
SUBLETTE$314,827$403,125$487,250$605,525$235,000
SWEETWATER$316,250$404,850$489,350$608,150$259,000
TETON$726,525$930,300$1,124,475$1,397,400$789,000
UINTA$314,827$403,125$487,250$605,525$206,000
WASHAKIE$314,827$403,125$487,250$605,525$173,000
WESTON$314,827$403,125$487,250$605,525$184,000
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How are FHA loan limits calculated?

FHA loans are backed by the federal government, and it sets the loan limits.

The government sets a floor limit, which is the maximum amount that buyers are allowed to borrow in areas deemed “low cost.” It also sets a ceiling limit, the maximum amount an eligible buyer can access in an area that’s considered “high-cost.”

The FHA bases its figures on the conforming loan limit — the biggest loan that Fannie Mae and Freddie Mac will buy — with the floor set at 65% of the conforming loan limit, and the ceiling at 150%.

All 23 counties in Wyoming are considered low-cost, and therefore have the loan limit of $314,827.

These are the limits that the FHA has set for low-cost areas across the United States this year:

  • One-unit: $314,827
  • Two-unit: $403,125
  • Three-unit: $487,250
  • Four-unit: $605,525

These are the limits set for high-cost areas across the USA in 2019:

  • One-unit: $726,525
  • Two-unit: $930,300
  • Three-unit: $1,124,475
  • Four-unit: $1,397,400

Are you eligible for an FHA loan in Wyoming?

Of course, just buying a house in Wyoming won’t guarantee you a $314,827 mortgage, nor does it grant you access to an FHA loan. There are requirements to meet regarding your credit score, debt-to-income ratio and other factors. You can find out more in MagnifyMoney’s complete guide to FHA loans.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Jeanne Sager
Jeanne Sager |

Jeanne Sager is a writer at MagnifyMoney. You can email Jeanne here

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2019 FHA Loan Limits in Wisconsin

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

Buying a house in Wisconsin doesn’t just mean settling down in the heart of America’s Dairyland. The Wisconsin housing market has boomed in the past decade, with the volume of sales nearly doubling from 2008 to 2018 and Wisconsin REALTORS® Association data showing a steady increase in median housing prices.

But don’t be scared off by rising prices! There are dozens of programs out there designed to make homebuying more affordable. Among them are loans backed by the Federal Housing Administration (FHA). In 2018 alone, 1.09% of all the FHA loans used by Americans to buy a house originated in Wisconsin, according to the U.S. Department of Housing and Urban Development (HUD).

And this year, eligible Wisconsin residents have even more money at their fingertips, as FHA loan limits have been raised across the state. In 2019, eligible buyers may be able to borrow anywhere from $314,827 to $368,000 to buy a single-family home, depending on where in the state their dream home is located.

Wisconsin FHA loan limits by county

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
ADAMS$314,827$403,125$487,250$605,525$67,000
ASHLAND$314,827$403,125$487,250$605,525$70,000
BARRON$314,827$403,125$487,250$605,525$120,000
BAYFIELD$314,827$403,125$487,250$605,525$106,000
BROWN$314,827$403,125$487,250$605,525$161,000
BUFFALO$314,827$403,125$487,250$605,525$105,000
BURNETT$314,827$403,125$487,250$605,525$116,000
CALUMET$314,827$403,125$487,250$605,525$170,000
CHIPPEWA$314,827$403,125$487,250$605,525$163,000
CLARK$314,827$403,125$487,250$605,525$81,000
COLUMBIA$316,250$404,850$489,350$608,150$275,000
CRAWFORD$314,827$403,125$487,250$605,525$93,000
DANE$316,250$404,850$489,350$608,150$275,000
DODGE$314,827$403,125$487,250$605,525$135,000
DOOR$314,827$403,125$487,250$605,525$139,000
DOUGLAS$314,827$403,125$487,250$605,525$152,000
DUNN$314,827$403,125$487,250$605,525$142,000
EAU CLAIRE$314,827$403,125$487,250$605,525$163,000
FLORENCE$314,827$403,125$487,250$605,525$100,000
FOND DU LAC$314,827$403,125$487,250$605,525$128,000
FOREST$314,827$403,125$487,250$605,525$55,000
GRANT$314,827$403,125$487,250$605,525$100,000
GREEN$316,250$404,850$489,350$608,150$275,000
GREEN LAKE$314,827$403,125$487,250$605,525$116,000
IOWA$316,250$404,850$489,350$608,150$275,000
IRON$314,827$403,125$487,250$605,525$61,000
JACKSON$314,827$403,125$487,250$605,525$92,000
JEFFERSON$314,827$403,125$487,250$605,525$180,000
JUNEAU$314,827$403,125$487,250$605,525$65,000
KENOSHA$368,000$471,100$569,450$707,700$320,000
KEWAUNEE$314,827$403,125$487,250$605,525$161,000
LA CROSSE$314,827$403,125$487,250$605,525$165,000
LAFAYETTE$314,827$403,125$487,250$605,525$108,000
LANGLADE$314,827$403,125$487,250$605,525$72,000
LINCOLN$314,827$403,125$487,250$605,525$94,000
MANITOWOC$314,827$403,125$487,250$605,525$98,000
MARATHON$314,827$403,125$487,250$605,525$137,000
MARINETTE$314,827$403,125$487,250$605,525$106,000
MARQUETTE$314,827$403,125$487,250$605,525$92,000
MENOMINEE$314,827$403,125$487,250$605,525$123,000
MILWAUKEE$327,750$419,550$507,150$630,300$285,000
MONROE$314,827$403,125$487,250$605,525$125,000
OCONTO$314,827$403,125$487,250$605,525$161,000
ONEIDA$314,827$403,125$487,250$605,525$130,000
OUTAGAMIE$314,827$403,125$487,250$605,525$170,000
OZAUKEE$327,750$419,550$507,150$630,300$285,000
PEPIN$314,827$403,125$487,250$605,525$87,000
PIERCE$366,850$469,600$567,650$705,500$319,000
POLK$314,827$403,125$487,250$605,525$117,000
PORTAGE$314,827$403,125$487,250$605,525$147,000
PRICE$314,827$403,125$487,250$605,525$60,000
RACINE$314,827$403,125$487,250$605,525$159,000
RICHLAND$314,827$403,125$487,250$605,525$94,000
ROCK$314,827$403,125$487,250$605,525$128,000
RUSK$314,827$403,125$487,250$605,525$73,000
SAUK$314,827$403,125$487,250$605,525$167,000
SAWYER$314,827$403,125$487,250$605,525$120,000
SHAWANO$314,827$403,125$487,250$605,525$123,000
SHEBOYGAN$314,827$403,125$487,250$605,525$148,000
ST. CROIX$366,850$469,600$567,650$705,500$319,000
TAYLOR$314,827$403,125$487,250$605,525$88,000
TREMPEALEAU$314,827$403,125$487,250$605,525$119,000
VERNON$314,827$403,125$487,250$605,525$113,000
VILAS$314,827$403,125$487,250$605,525$145,000
WALWORTH$314,827$403,125$487,250$605,525$175,000
WASHBURN$314,827$403,125$487,250$605,525$110,000
WASHINGTON$327,750$419,550$507,150$630,300$285,000
WAUKESHA$327,750$419,550$507,150$630,300$285,000
WAUPACA$314,827$403,125$487,250$605,525$106,000
WAUSHARA$314,827$403,125$487,250$605,525$115,000
WINNEBAGO$314,827$403,125$487,250$605,525$142,000
WOOD$314,827$403,125$487,250$605,525$102,000
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How are FHA loan limits set?

FHA loan limits are set by the federal government using median home prices in areas across the country to determine how large (or small) a loan the FHA will back. In places considered “low-cost” by the FHA, the top limit for loans is equal to 65% of the amount Fannie Mae and Freddie Mac will fund for a mortgage on a one-unit property. In places deemed “high-cost,” buyers could be eligible for as much as 150% of what the federal loan programs will allow.

The low-cost area maximum is $314,827 in 2019, and that’s the highest amount applicable for most of Wisconsin this year. Just 11 areas, Columbia, Dane, Green, Iowa, Milwaukee, Pierce, Ozaukee, St. Croix, Washington, Waukesha and Kenosha counties, have higher loan limits, although they all still fall below the maximum for high-cost areas, which tops out nationally at $726,525.

Here are the 2019 standard FHA limits for homes in the U.S.:

  • One-unit: $314,827
  • Two-unit: $403,125
  • Three-unit: $487,250
  • Four-unit: $605,525

Here are the 2019 standard FHA limits for homes in high-cost areas in the U.S.:

  • One-unit: $726,525
  • Two-unit: $930,300
  • Three-unit: $1,124,475
  • Four-unit: $1,397,400

Do you qualify for an FHA loan in Wisconsin?

FHA loans offer a number of benefits, from lower down payments and interest rates to help for folks with less-than-stellar credit. But not everyone qualifies for one of these home financing options, so do your homework before you buy! To start, check to see if your income and credit score might qualify you for an FHA loan.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Jeanne Sager
Jeanne Sager |

Jeanne Sager is a writer at MagnifyMoney. You can email Jeanne here

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2019 FHA Loan Limits in Massachusetts

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

If you’re thinking of buying your first home in the State of Massachusetts, you’re in good company. First-time buyers made up 40% of all home sales in the Bay State in 2018 — well above the national average of 33%, according to the National Association of Realtors.

Massachusetts homes are selling like hotcakes, even with median home prices rising. In February 2019, the Massachusetts Association of Realtors reported the state had hit its 12th straight month of year-over-year increases in single-family home and condominium sales.

How can you afford a home in this environment? One option might be to get a loan backed by the Federal Housing Administration (FHA). They generally come with lower interest rates and down payment requirements, and yet are easier to qualify for, even with a less-than-stellar credit score.

In 2018, 1.4% of all of these loans used by homebuyers in the United States were scored by Massachusetts buyers, according to the U.S. Department of Housing and Urban Development. And this year FHA loan limits have climbed, offering qualified buyers from Boston to the Berkshires even more money to buy a home.

Depending on where you live in the state, if you qualify for one of these government-backed loans, you may be able to borrow anywhere from $314,827 to $726,525 for a single family home.

Massachusetts FHA loan limits by county

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
BARNSTABLE$458,850$587,400$710,050$882,400$399,000
BERKSHIRE$314,827$403,125$487,250$605,525$195,000
BRISTOL$454,250$581,500$702,900$873,550$395,000
DUKES$726,525$930,300$1,124,475$1,397,400$729,000
ESSEX$688,850$881,850$1,065,950$1,324,750$599,000
FRANKLIN$314,827$403,125$487,250$605,525$205,000
HAMPDEN$318,550$407,800$492,950$612,600$277,000
HAMPSHIRE$318,550$407,800$492,950$612,600$277,000
MIDDLESEX$688,850$881,850$1,065,950$1,324,750$599,000
NANTUCKET$726,525$930,300$1,124,475$1,397,400$1,363,000
NORFOLK$688,850$881,850$1,065,950$1,324,750$599,000
PLYMOUTH$688,850$881,850$1,065,950$1,324,750$599,000
SUFFOLK$688,850$881,850$1,065,950$1,324,750$599,000
WORCESTER$327,750$419,550$507,150$630,300$285,000

How are FHA loan limits calculated?

The Massachusetts loan limits from the FHA are determined the same way as other states: The federal government looks at median home prices, then uses those figures to set maximum amounts that buyers can borrow.

The state of Massachusetts has a mix of what the federal government considers high-cost and low-cost areas. Low-cost areas are places where FHA loans max out at 65% of the amount Fannie Mae and Freddie Mac will fund for a mortgage, also known as the conforming loan limit. In high-cost areas, buyers are eligible for as much as 150% of the conforming loan limit.

The FHA loan maximum for a single-family home in low-cost areas is $314,827 in 2019, a number that applies in places like Pittsfield and Greenfield. The FHA loan limit for high-cost areas of the state is $726,525 for a single-family home.

Here are the 2019 standard FHA limits for all property types in the United States:

  • One-unit: $314,827
  • Two-unit: $403,125
  • Three-unit: $487,250
  • Four-unit: $605,525

Here are the 2019 standard FHA limits for high-cost areas in the United States:

  • One-unit: $726,525
  • Two-unit: $930,300
  • Three-unit: $1,124,475
  • Four-unit: $1,397,400

Are you eligible for an FHA loan in Massachusetts?

If you’re looking for a mortgage loan with more attractive terms than a conventional loan, an FHA loan could be the right option. Note that you will have to purchase mortgage insurance with an FHA loan, both upfront and for the life of the mortgage. For more information on FHA loan requirements, see MagnifyMoney’s guide to FHA loans. LendingTree is MagnifyMoney’s parent company.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

Jeanne Sager
Jeanne Sager |

Jeanne Sager is a writer at MagnifyMoney. You can email Jeanne here

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