2019 FHA Loan Limits in Nebraska

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

Written By

Updated on Friday, April 5, 2019

In 2019, FHA limits for a single-family home in the Cornhusker State range from $314,827 to $433,550. If you’re looking to purchase a home in Nebraska with an FHA loan, the odds of finding one within those limits are pretty favorable. Estimated median home prices in the majority of the state’s counties sit around or below the $200,000 mark.

This means you’re likely to find an affordable home in Nebraska whether you’re looking for a place in the city or you’d prefer to settle in a more rural part of the state.

See Mortgage Rate Quotes for Your Home

See RatesSee RatesSee RatesTerms Apply. NMLS ID# 1136

By clicking “See Rates”, you will be directed to LendingTree. Based on your creditworthiness, you may be matched with up to five different lenders in our partner network.

Home prices in Nebraska have risen significantly in the past two years, even more so than the national average. While price increases have been most notable outside of the state’s metro areas, home values in Lincoln — the state capital and second largest city after Omaha — saw an 8.4% increase from 2017 to 2018, higher than the country’s average increase of 4%.

Yet, even with rising prices, median prices within the state fall below the standard FHA limit of $314,827. Only three counties in Nebraska — Lincoln, Logan and McPherson — are considered “high-cost,” warranting a higher limit. Their FHA loan limit is $433,550.

Nebraska FHA Loan Limits by County

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
ADAMS$314,827 $403,125 $487,250 $605,525 $100,000
ANTELOPE$314,827 $403,125 $487,250 $605,525 $50,000
ARTHUR$314,827 $403,125 $487,250 $605,525 $113,000
BANNER$314,827 $403,125 $487,250 $605,525 $142,000
BLAINE$314,827 $403,125 $487,250 $605,525 $141,000
BOONE$314,827 $403,125 $487,250 $605,525 $115,000
BOX BUTTE$314,827 $403,125 $487,250 $605,525 $110,000
BOYD$314,827 $403,125 $487,250 $605,525 $21,000
BROWN$314,827 $403,125 $487,250 $605,525 $53,000
BUFFALO$314,827 $403,125 $487,250 $605,525 $172,000
BURT$314,827 $403,125 $487,250 $605,525 $60,000
BUTLER$314,827 $403,125 $487,250 $605,525 $119,000
CASS$314,827 $403,125 $487,250 $605,525 $205,000
CEDAR$314,827 $403,125 $487,250 $605,525 $122,000
CHASE$314,827 $403,125 $487,250 $605,525 $106,000
CHERRY$314,827 $403,125 $487,250 $605,525 $135,000
CHEYENNE$314,827 $403,125 $487,250 $605,525 $126,000
CLAY$314,827 $403,125 $487,250 $605,525 $53,000
COLFAX$314,827 $403,125 $487,250 $605,525 $76,000
CUMING$314,827 $403,125 $487,250 $605,525 $90,000
CUSTER$314,827 $403,125 $487,250 $605,525 $85,000
DAKOTA$314,827 $403,125 $487,250 $605,525 $175,000
DAWES$314,827 $403,125 $487,250 $605,525 $88,000
DAWSON$314,827 $403,125 $487,250 $605,525 $125,000
DEUEL$314,827 $403,125 $487,250 $605,525 $81,000
DIXON$314,827 $403,125 $487,250 $605,525 $175,000
DODGE$314,827 $403,125 $487,250 $605,525 $127,000
DOUGLAS$314,827 $403,125 $487,250 $605,525 $205,000
DUNDY$314,827 $403,125 $487,250 $605,525 $78,000
FILLMORE$314,827 $403,125 $487,250 $605,525 $83,000
FRANKLIN$314,827 $403,125 $487,250 $605,525 $67,000
FRONTIER$314,827 $403,125 $487,250 $605,525 $63,000
FURNAS$314,827 $403,125 $487,250 $605,525 $69,000
GAGE$314,827 $403,125 $487,250 $605,525 $79,000
GARDEN$314,827 $403,125 $487,250 $605,525 $32,000
GARFIELD$314,827 $403,125 $487,250 $605,525 $102,000
GOSPER$314,827 $403,125 $487,250 $605,525 $125,000
GRANT$314,827 $403,125 $487,250 $605,525 $58,000
GREELEY$314,827 $403,125 $487,250 $605,525 $73,000
HALL$314,827 $403,125 $487,250 $605,525 $147,000
HAMILTON$314,827 $403,125 $487,250 $605,525 $147,000
HARLAN$314,827 $403,125 $487,250 $605,525 $93,000
HAYES$314,827 $403,125 $487,250 $605,525 $106,000
HITCHCOCK$314,827 $403,125 $487,250 $605,525 $65,000
HOLT$314,827 $403,125 $487,250 $605,525 $30,000
HOOKER$314,827 $403,125 $487,250 $605,525 $86,000
HOWARD$314,827 $403,125 $487,250 $605,525 $147,000
JEFFERSON$314,827 $403,125 $487,250 $605,525 $85,000
JOHNSON$314,827 $403,125 $487,250 $605,525 $89,000
KEARNEY$314,827 $403,125 $487,250 $605,525 $172,000
KEITH$314,827 $403,125 $487,250 $605,525 $90,000
KEYA PAHA$314,827 $403,125 $487,250 $605,525 $105,000
KIMBALL$314,827 $403,125 $487,250 $605,525 $92,000
KNOX$314,827 $403,125 $487,250 $605,525 $55,000
LANCASTER$314,827 $403,125 $487,250 $605,525 $174,000
LINCOLN$433,550 $555,000 $670,900 $833,750 $163,000
LOGAN$433,550 $555,000 $670,900 $833,750 $163,000
LOUP$314,827 $403,125 $487,250 $605,525 $158,000
MADISON$314,827 $403,125 $487,250 $605,525 $145,000
MCPHERSON$433,550 $555,000 $670,900 $833,750 $163,000
MERRICK$314,827 $403,125 $487,250 $605,525 $147,000
MORRILL$314,827 $403,125 $487,250 $605,525 $94,000
NANCE$314,827 $403,125 $487,250 $605,525 $90,000
NEMAHA$314,827 $403,125 $487,250 $605,525 $70,000
NUCKOLLS$314,827 $403,125 $487,250 $605,525 $63,000
OTOE$314,827 $403,125 $487,250 $605,525 $110,000
PAWNEE$314,827 $403,125 $487,250 $605,525 $32,000
PERKINS$314,827 $403,125 $487,250 $605,525 $110,000
PHELPS$314,827 $403,125 $487,250 $605,525 $93,000
PIERCE$314,827 $403,125 $487,250 $605,525 $145,000
PLATTE$314,827 $403,125 $487,250 $605,525 $145,000
POLK$314,827 $403,125 $487,250 $605,525 $113,000
RED WILLOW$314,827 $403,125 $487,250 $605,525 $80,000
RICHARDSON$314,827 $403,125 $487,250 $605,525 $79,000
ROCK$314,827 $403,125 $487,250 $605,525 $74,000
SALINE$314,827 $403,125 $487,250 $605,525 $78,000
SARPY$314,827 $403,125 $487,250 $605,525 $205,000
SAUNDERS$314,827 $403,125 $487,250 $605,525 $205,000
SCOTTS BLUFF$314,827 $403,125 $487,250 $605,525 $142,000
SEWARD$314,827 $403,125 $487,250 $605,525 $174,000
SHERIDAN$314,827 $403,125 $487,250 $605,525 $87,000
SHERMAN$314,827 $403,125 $487,250 $605,525 $94,000
SIOUX$314,827 $403,125 $487,250 $605,525 $142,000
STANTON$314,827 $403,125 $487,250 $605,525 $145,000
THAYER$314,827 $403,125 $487,250 $605,525 $76,000
THOMAS$314,827 $403,125 $487,250 $605,525 $137,000
THURSTON$314,827 $403,125 $487,250 $605,525 $84,000
VALLEY$314,827 $403,125 $487,250 $605,525 $99,000
WASHINGTON$314,827 $403,125 $487,250 $605,525 $205,000
WAYNE$314,827 $403,125 $487,250 $605,525 $113,000
WEBSTER$314,827 $403,125 $487,250 $605,525 $20,000
WHEELER$314,827 $403,125 $487,250 $605,525 $133,000
YORK$314,827 $403,125 $487,250 $605,525 $100,000

How are FHA loan limits calculated?

Each year, the Federal Housing Administration establishes limits for FHA mortgages to reflect current home values. Loan limits are based on the guidelines in place for conforming loans. Conforming loans are mortgages that meet requirements set by Fannie Mae and Freddie Mac.

The FHA establishes a “floor,” the highest loan amount for low-cost areas. For single-family homes, the 2019 floor is $314,827. The FHA also sets a “ceiling,” the maximum loan amount allowed in high-cost areas. The ceiling in 2019 is $726,525.

In 2019, the standard FHA limits nationwide are as follows:

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

For high-cost areas, limits are higher:

  • 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 Nebraska?

The price of the home you are purchasing is just one piece of the puzzle when determining if you qualify for an FHA loan and whether it’s the best type of mortgage for you. You should also consider the amount you plan to put down, your credit history, and other essential factors.