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2019 FHA Loan Limits in Kansas

The upper limit for Kansas FHA mortgages is the same in most of the state: $314,827. However, if you live in the Kansas City metropolitan area, you can expect a $336,950 limit for these counties: Miami, Wyandotte, Linn, Leavenworth and Johnson.

With its vast expanse of farmland, Kansas offers a fantastic opportunity for homebuyers looking to live a rural life. And if your solace is found in a city or suburb, the state has affordable options for you, too.

Buying in Kansas is still a good investment; home prices rose 5.2% in 2018, according to Wichita State University.  That rate is predicted to increase in 2019, although it may slow slightly in major cities like Wichita, Lawrence, Manhattan, Topeka and Kansas City. Sale prices have been growing too, for an average sale price of $209,481 in November 2018.

In the Kansas City metropolitan area, prices generally run a little higher. According to the Kansas City Regional Association of Realtors, the average sales price for the area in 2018 was $237,414.

FHA mortgages are often a good option for rural buyers looking for more affordable alternatives to conventional mortgages.

Kansas FHA loan limits by county

FHA Loan Limits in Kansas
County Single-Family Limit Two-Family Limit Three-Family Limit Four-Family Limit Median Sale Price
Allen $314,827 $403,125 $487,250 $605,525 $93,000
Anderson $314,827 $403,125 $487,250 $605,525 $98,000
Atchison $314,827 $403,125 $487,250 $605,525 $107,000
Barber $314,827 $403,125 $487,250 $605,525 $83,000
Barton $314,827 $403,125 $487,250 $605,525 $90,000
Bourbon $314,827 $403,125 $487,250 $605,525 $79,000
Brown $314,827 $403,125 $487,250 $605,525 $87,000
Butler $314,827 $403,125 $487,250 $605,525 $163,000
Chase $314,827 $403,125 $487,250 $605,525 $58,000
Chautauqua $314,827 $403,125 $487,250 $605,525 $58,000
Cherokee $314,827 $403,125 $487,250 $605,525 $80,000
Cheyenne $314,827 $403,125 $487,250 $605,525 $90,000
Clark $314,827 $403,125 $487,250 $605,525 $72,000
Clay $314,827 $403,125 $487,250 $605,525 $106,000
Cloud $314,827 $403,125 $487,250 $605,525 $78,000
Coffey $314,827 $403,125 $487,250 $605,525 $115,000
Comanche $314,827 $403,125 $487,250 $605,525 $71,000
Cowley $314,827 $403,125 $487,250 $605,525 $89,000
Crawford $314,827 $403,125 $487,250 $605,525 $100,000
Decatur $314,827 $403,125 $487,250 $605,525 $66,000
Dickinson $314,827 $403,125 $487,250 $605,525 $118,000
Doniphan $314,827 $403,125 $487,250 $605,525 $143,000
Douglas $314,827 $403,125 $487,250 $605,525 $213,000
Edwards $314,827 $403,125 $487,250 $605,525 $62,000
Elk $314,827 $403,125 $487,250 $605,525 $52,000
Ellis $314,827 $403,125 $487,250 $605,525 $166,000
Ellsworth $314,827 $403,125 $487,250 $605,525 $92,000
Finney $314,827 $403,125 $487,250 $605,525 $182,000
Ford $314,827 $403,125 $487,250 $605,525 $111,000
Franklin $314,827 $403,125 $487,250 $605,525 $126,000
Geary $314,827 $403,125 $487,250 $605,525 $145,000
Gove $314,827 $403,125 $487,250 $605,525 $83,000
Graham $314,827 $403,125 $487,250 $605,525 $77,000
Grant $314,827 $403,125 $487,250 $605,525 $108,000
Gray $314,827 $403,125 $487,250 $605,525 $125,000
Greeley $314,827 $403,125 $487,250 $605,525 $100,000
Greenwood $314,827 $403,125 $487,250 $605,525 $64,000
Hamilton $314,827 $403,125 $487,250 $605,525 $94,000
Harper $314,827 $403,125 $487,250 $605,525 $71,000
Harvey $314,827 $403,125 $487,250 $605,525 $163,000
Haskell $314,827 $403,125 $487,250 $605,525 $123,000
Hodgeman $314,827 $403,125 $487,250 $605,525 $92,000
Jackson $314,827 $403,125 $487,250 $605,525 $145,000
Jefferson $314,827 $403,125 $487,250 $605,525 $145,000
Jewell $314,827 $403,125 $487,250 $605,525 $57,000
Johnson $336,950 $431,350 $521,400 $648,000 $293,000
Kearny $314,827 $403,125 $487,250 $605,525 $182,000
Kingman $314,827 $403,125 $487,250 $605,525 $163,000
Kiowa $314,827 $403,125 $487,250 $605,525 $133,000
Labette $314,827 $403,125 $487,250 $605,525 $81,000
Lane $314,827 $403,125 $487,250 $605,525 $80,000
Leavenworth $336,950 $431,350 $521,400 $648,000 $293,000
Lincoln $314,827 $403,125 $487,250 $605,525 $74,000
Linn $336,950 $431,350 $521,400 $648,000 $293,000
Logan $314,827 $403,125 $487,250 $605,525 $86,000
Lyon $314,827 $403,125 $487,250 $605,525 $110,000
Marion $314,827 $403,125 $487,250 $605,525 $88,000
Marshall $314,827 $403,125 $487,250 $605,525 $98,000
Mcpherson $314,827 $403,125 $487,250 $605,525 $148,000
Meade $314,827 $403,125 $487,250 $605,525 $97,000
Miami $336,950 $431,350 $521,400 $648,000 $293,000
Mitchell $314,827 $403,125 $487,250 $605,525 $96,000
Montgomery $314,827 $403,125 $487,250 $605,525 $77,000
Morris $314,827 $403,125 $487,250 $605,525 $96,000
Morton $314,827 $403,125 $487,250 $605,525 $113,000
Nemaha $314,827 $403,125 $487,250 $605,525 $118,000
Neosho $314,827 $403,125 $487,250 $605,525 $80,000
Ness $314,827 $403,125 $487,250 $605,525 $74,000
Norton $314,827 $403,125 $487,250 $605,525 $75,000
Osage $314,827 $403,125 $487,250 $605,525 $145,000
Osborne $314,827 $403,125 $487,250 $605,525 $64,000
Ottawa $314,827 $403,125 $487,250 $605,525 $132,000
Pawnee $314,827 $403,125 $487,250 $605,525 $83,000
Phillips $314,827 $403,125 $487,250 $605,525 $82,000
Pottawatomie $314,827 $403,125 $487,250 $605,525 $228,000
Pratt $314,827 $403,125 $487,250 $605,525 $92,000
Rawlins $314,827 $403,125 $487,250 $605,525 $87,000
Reno $314,827 $403,125 $487,250 $605,525 $103,000
Republic $314,827 $403,125 $487,250 $605,525 $59,000
Rice $314,827 $403,125 $487,250 $605,525 $79,000
Riley $314,827 $403,125 $487,250 $605,525 $228,000
Rooks $314,827 $403,125 $487,250 $605,525 $80,000
Rush $314,827 $403,125 $487,250 $605,525 $71,000
Russell $314,827 $403,125 $487,250 $605,525 $91,000
Saline $314,827 $403,125 $487,250 $605,525 $132,000
Scott $314,827 $403,125 $487,250 $605,525 $143,000
Sedgwick $314,827 $403,125 $487,250 $605,525 $163,000
Seward $314,827 $403,125 $487,250 $605,525 $96,000
Shawnee $314,827 $403,125 $487,250 $605,525 $145,000
Sheridan $314,827 $403,125 $487,250 $605,525 $98,000
Sherman $314,827 $403,125 $487,250 $605,525 $86,000
Smith $314,827 $403,125 $487,250 $605,525 $70,000
Stafford $314,827 $403,125 $487,250 $605,525 $70,000
Stanton $314,827 $403,125 $487,250 $605,525 $82,000
Stevens $314,827 $403,125 $487,250 $605,525 $111,000
Sumner $314,827 $403,125 $487,250 $605,525 $163,000
Thomas $314,827 $403,125 $487,250 $605,525 $118,000
Trego $314,827 $403,125 $487,250 $605,525 $88,000
Wabaunsee $314,827 $403,125 $487,250 $605,525 $145,000
Wallace $314,827 $403,125 $487,250 $605,525 $88,000
Washington $314,827 $403,125 $487,250 $605,525 $79,000
Wichita $314,827 $403,125 $487,250 $605,525 $88,000
Wilson $314,827 $403,125 $487,250 $605,525 $66,000
Woodson $314,827 $403,125 $487,250 $605,525 $56,000
Wyandotte $336,950 $431,350 $521,400 $648,000 $293,000

How are FHA loan limits determined?

The U.S. Department of Housing and Urban Development (HUD) sets FHA loan limits based on the conforming loan limit — or how large of a mortgage Fannie Mae and Freddie Mac will insure. In 2019, that limit is $484,350. The FHA’s “floor” is the largest mortgage the agency will issue in most of the country and is set at $314,827 for 2019.

The FHA “ceiling” applies to high-cost areas and is set at 150% of the conforming loan limit, or $726,525. Outside of a few exceptions, this is the highest mortgage the agency will insure for a single-family home. In other areas, loan limits fall somewhere between the FHA floor and ceiling.

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

  • 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:

  • 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 Kansas?

If you are purchasing a home in Kansas and will require a mortgage of less than $314,827 (or $336,950, if you are in the Kansas City area), an FHA loan may be a good mortgage solution. To see what the loan limits are in Kansas, go to the FHA loan limit website.  To learn more about how your credit score, income and other factors may affect your FHA eligibility, visit LendingTree’s main FHA page.

 

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