How Does LendingTree Get Paid?

2026 FHA Loan Limits in Kansas

Janet Berry-Johnson, Author at LendingTree

Written by  Janet Berry-Johnson

Abigail Bassett, Editor at LendingTree

Edited by  Abigail Bassett

Updated
We are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our editorial guidelines here.

Buying a home with an FHA loan can be an accessible path to homeownership, but only if you understand how an FHA loan limits affect your options.

The 2026 FHA loan limit for Kansas is $541,287 for a single-family home in all counties. Knowing this number up front can help you narrow your home search and avoid surprises as you move toward financing.

This page walks you through how FHA loan limits work, what it takes to qualify and how much you can borrow with a mortgage backed by the Federal Housing Administration.

Kansas FHA loan limits by county

County NameOne UnitTwo UnitsThree UnitsFour UnitsMedian Sales Price
ALLEN COUNTY$541,287 $693,050 $837,700 $1,041,125 $120,000
ANDERSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $196,000
ATCHISON COUNTY$541,287 $693,050 $837,700 $1,041,125 $196,000
BARBER COUNTY$541,287 $693,050 $837,700 $1,041,125 $120,000
BARTON COUNTY$541,287 $693,050 $837,700 $1,041,125 $156,000
BOURBON COUNTY$541,287 $693,050 $837,700 $1,041,125 $126,000
BROWN COUNTY$541,287 $693,050 $837,700 $1,041,125 $134,000
BUTLER COUNTY$541,287 $693,050 $837,700 $1,041,125 $241,000
CHASE COUNTY$541,287 $693,050 $837,700 $1,041,125 $180,000
CHAUTAUQUA COUN$541,287 $693,050 $837,700 $1,041,125 $84,000
CHEROKEE COUNTY$541,287 $693,050 $837,700 $1,041,125 $214,000
CHEYENNE COUNTY$541,287 $693,050 $837,700 $1,041,125 $207,000
CLARK COUNTY$541,287 $693,050 $837,700 $1,041,125 $104,000
CLAY COUNTY$541,287 $693,050 $837,700 $1,041,125 $147,000
CLOUD COUNTY$541,287 $693,050 $837,700 $1,041,125 $128,000
COFFEY COUNTY$541,287 $693,050 $837,700 $1,041,125 $278,000
COMANCHE COUNTY$541,287 $693,050 $837,700 $1,041,125 $78,000
COWLEY COUNTY$541,287 $693,050 $837,700 $1,041,125 $148,000
CRAWFORD COUNTY$541,287 $693,050 $837,700 $1,041,125 $148,000
DECATUR COUNTY$541,287 $693,050 $837,700 $1,041,125 $104,000
DICKINSON COUNT$541,287 $693,050 $837,700 $1,041,125 $197,000
DONIPHAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $274,000
DOUGLAS COUNTY$541,287 $693,050 $837,700 $1,041,125 $320,000
EDWARDS COUNTY$541,287 $693,050 $837,700 $1,041,125 $94,000
ELK COUNTY$541,287 $693,050 $837,700 $1,041,125 $81,000
ELLIS COUNTY$541,287 $693,050 $837,700 $1,041,125 $239,000
ELLSWORTH COUNT$541,287 $693,050 $837,700 $1,041,125 $154,000
FINNEY COUNTY$541,287 $693,050 $837,700 $1,041,125 $247,000
FORD COUNTY$541,287 $693,050 $837,700 $1,041,125 $248,000
FRANKLIN COUNTY$541,287 $693,050 $837,700 $1,041,125 $254,000
GEARY COUNTY$541,287 $693,050 $837,700 $1,041,125 $303,000
GOVE COUNTY$541,287 $693,050 $837,700 $1,041,125 $158,000
GRAHAM COUNTY$541,287 $693,050 $837,700 $1,041,125 $81,000
GRANT COUNTY$541,287 $693,050 $837,700 $1,041,125 $190,000
GRAY COUNTY$541,287 $693,050 $837,700 $1,041,125 $189,000
GREELEY COUNTY$541,287 $693,050 $837,700 $1,041,125 $141,000
GREENWOOD COUNT$541,287 $693,050 $837,700 $1,041,125 $110,000
HAMILTON COUNTY$541,287 $693,050 $837,700 $1,041,125 $155,000
HARPER COUNTY$541,287 $693,050 $837,700 $1,041,125 $103,000
HARVEY COUNTY$541,287 $693,050 $837,700 $1,041,125 $241,000
HASKELL COUNTY$541,287 $693,050 $837,700 $1,041,125 $201,000
HODGEMAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $123,000
JACKSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $243,000
JEFFERSON COUNT$541,287 $693,050 $837,700 $1,041,125 $243,000
JEWELL COUNTY$541,287 $693,050 $837,700 $1,041,125 $266,000
JOHNSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $454,000
KEARNY COUNTY$541,287 $693,050 $837,700 $1,041,125 $198,000
KINGMAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $143,000
KIOWA COUNTY$541,287 $693,050 $837,700 $1,041,125 $169,000
LABETTE COUNTY$541,287 $693,050 $837,700 $1,041,125 $122,000
LANE COUNTY$541,287 $693,050 $837,700 $1,041,125 $154,000
LEAVENWORTH COU$541,287 $693,050 $837,700 $1,041,125 $454,000
LINCOLN COUNTY$541,287 $693,050 $837,700 $1,041,125 $201,000
LINN COUNTY$541,287 $693,050 $837,700 $1,041,125 $454,000
LOGAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $155,000
LYON COUNTY$541,287 $693,050 $837,700 $1,041,125 $180,000
MARION COUNTY$541,287 $693,050 $837,700 $1,041,125 $152,000
MARSHALL COUNTY$541,287 $693,050 $837,700 $1,041,125 $159,000
MCPHERSON COUNT$541,287 $693,050 $837,700 $1,041,125 $230,000
MEADE COUNTY$541,287 $693,050 $837,700 $1,041,125 $162,000
MIAMI COUNTY$541,287 $693,050 $837,700 $1,041,125 $454,000
MITCHELL COUNTY$541,287 $693,050 $837,700 $1,041,125 $145,000
MONTGOMERY COUN$541,287 $693,050 $837,700 $1,041,125 $122,000
MORRIS COUNTY$541,287 $693,050 $837,700 $1,041,125 $160,000
MORTON COUNTY$541,287 $693,050 $837,700 $1,041,125 $127,000
NEMAHA COUNTY$541,287 $693,050 $837,700 $1,041,125 $260,000
NEOSHO COUNTY$541,287 $693,050 $837,700 $1,041,125 $134,000
NESS COUNTY$541,287 $693,050 $837,700 $1,041,125 $113,000
NORTON COUNTY$541,287 $693,050 $837,700 $1,041,125 $69,000
OSAGE COUNTY$541,287 $693,050 $837,700 $1,041,125 $243,000
OSBORNE COUNTY$541,287 $693,050 $837,700 $1,041,125 $113,000
OTTAWA COUNTY$541,287 $693,050 $837,700 $1,041,125 $218,000
PAWNEE COUNTY$541,287 $693,050 $837,700 $1,041,125 $136,000
PHILLIPS COUNTY$541,287 $693,050 $837,700 $1,041,125 $126,000
POTTAWATOMIE CO$541,287 $693,050 $837,700 $1,041,125 $303,000
PRATT COUNTY$541,287 $693,050 $837,700 $1,041,125 $152,000
RAWLINS COUNTY$541,287 $693,050 $837,700 $1,041,125 $132,000
RENO COUNTY$541,287 $693,050 $837,700 $1,041,125 $166,000
REPUBLIC COUNTY$541,287 $693,050 $837,700 $1,041,125 $101,000
RICE COUNTY$541,287 $693,050 $837,700 $1,041,125 $140,000
RILEY COUNTY$541,287 $693,050 $837,700 $1,041,125 $303,000
ROOKS COUNTY$541,287 $693,050 $837,700 $1,041,125 $120,000
RUSH COUNTY$541,287 $693,050 $837,700 $1,041,125 $105,000
RUSSELL COUNTY$541,287 $693,050 $837,700 $1,041,125 $141,000
SALINE COUNTY$541,287 $693,050 $837,700 $1,041,125 $218,000
SCOTT COUNTY$541,287 $693,050 $837,700 $1,041,125 $225,000
SEDGWICK COUNTY$541,287 $693,050 $837,700 $1,041,125 $241,000
SEWARD COUNTY$541,287 $693,050 $837,700 $1,041,125 $178,000
SHAWNEE COUNTY$541,287 $693,050 $837,700 $1,041,125 $243,000
SHERIDAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $202,000
SHERMAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $168,000
SMITH COUNTY$541,287 $693,050 $837,700 $1,041,125 $121,000
STAFFORD COUNTY$541,287 $693,050 $837,700 $1,041,125 $128,000
STANTON COUNTY$541,287 $693,050 $837,700 $1,041,125 $85,000
STEVENS COUNTY$541,287 $693,050 $837,700 $1,041,125 $165,000
SUMNER COUNTY$541,287 $693,050 $837,700 $1,041,125 $241,000
THOMAS COUNTY$541,287 $693,050 $837,700 $1,041,125 $220,000
TREGO COUNTY$541,287 $693,050 $837,700 $1,041,125 $153,000
WABAUNSEE COUNT$541,287 $693,050 $837,700 $1,041,125 $243,000
WALLACE COUNTY$541,287 $693,050 $837,700 $1,041,125 $125,000
WASHINGTON COUN$541,287 $693,050 $837,700 $1,041,125 $141,000
WICHITA COUNTY$541,287 $693,050 $837,700 $1,041,125 $140,000
WILSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $125,000
WOODSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $100,000
WYANDOTTE COUNT$541,287 $693,050 $837,700 $1,041,125 $454,000

How are FHA loan limits determined?

The FHA updates loan limits each year to reflect changes in home prices nationwide. The limits are tied to the conforming loan limits set by the Federal Housing Finance Agency (FHFA). The FHA then applies percentages to those confirming limits to determine how much it will insure FHA-backed mortgages in different parts of the country.

The lowest allowable FHA loan limit is known as the “floor.” In 2026, the FHA floor for a single-family home is $541,287 nationwide. That floor applies to all counties in Kansas. 

At the other end of the spectrum is the “ceiling.” The FHA ceiling is set at 150% of the conforming loan limit, and is $1,249,125 for 2026. That ceiling applies only in designated high-cost areas. No Kansas counties qualify as high-cost areas, but understanding the floor-and-ceiling structure helps explain why FHA loan limits vary by location and why Kansas has a single, uniform limit statewide in 2026.

How to qualify for an FHA loan in Kansas

FHA loans help lower the barrier to homeownership by offering more flexible qualification standards than conventional mortgages. You still need to demonstrate the ability to repay the loan, but they’re a good option if you have limited savings for a down payment or less-than-perfect credit.

FHA loan requirements include:

  • Minimum 500 credit score. You may qualify for an FHA loan with a credit score as low as 500, although individual lenders may set higher minimums based on their own risk guidelines.
  • Minimum 3.5% down payment. You may qualify for a 3.5% down payment if your credit score is 580 or higher. With a credit score between 500 and 579, you typically must make a 10% down payment.
  • Maximum 43% debt-to-income (DTI) ratio. Your DTI ratio compares your monthly debt payments to your gross income. FHA guidelines generally cap this ratio at 43% to ensure your mortgage payment is manageable.
  • FHA-approved home appraisal. An FHA-approved appraiser must appraise the property to confirm it meets the program’s safety, soundness, and livability standards.
  • Mortgage insurance. FHA loans require upfront and annual mortgage insurance premiums. The upfront premium is 1.75% of the loan amount, paid at closing. The annual premiums range from 0.15% to 0.75% and are included in your monthly payment.
  • Primary residence occupancy. You must intend to live in the home as your primary residence for at least 12 months after purchase.
  • Cash reserves. If you have poor credit, a high DTI ratio, or are buying a multi-unit property, lenders may require proof of enough cash reserves to cover one to three months of mortgage payments.

Buying a multifamily property with an FHA loan

The FHA program also allows you to purchase a multifamily property with two to four units and a down payment as low as 3.5%. But you must intend to live in one of the units as your primary residence. Borrowers use this “house hacking” strategy to offset their mortgage costs by renting out the remaining units.

To qualify for an FHA multifamily-property loan, you must generally meet the following requirements:

  • Owner occupancy. You must live in one of the units as your primary residence for at least one year.
  • Minimum down payment. You’ll need a 3.5% down payment if your credit score is 580 or higher, or 10% if your credit score is between 500 and 579.
  • FHA loan limits. The loan amount must fall within FHA limits for multifamily properties, which are higher than single-family limits, but still capped.
  • Income and DTI guidelines. You must meet FHA credit, income, cash reserves and DTI ratio requirements, although projected rental income from other units may help you qualify.
Number of unitsLow-cost FHA loan limit
Two$693,050
Three$837,700
Four$1,041,125

FHA lenders in Kansas

Lender
LendingTree rating
Min. FHA credit score
Flagstar
 5/5 Read Our Review 580
Get offers
Pennymac logo
 5/5 Read Our Review 580
Get offers
Rocket_Mortgage
 5/5 Read Our Review 580
Get offers
BMO Harris logo
 4.5/5 Read Our Review 580
Get offers
rate
 4.5/5 Read Our Review 580
Get offers

Compare FHA Loans for Free

Mortgage Resources
On this page
Jump to
On this page

Recommended Articles

First-Time Homebuyer Programs: State and National Resources

March 30, 2025

2025 Kansas First-Time Homebuyer Programs and Loans

March 12, 2025

Current Kansas Mortgage and Refinance Rates
Home Home Loan FHA Loans 2026 FHA Loan Limits in Kansas