2019 FHA Loan Limits in Nebraska
If you are a Nebraska resident considering financing a home with an FHA loan, you should know the established loan limits. For a single-family home, the state’s standard FHA loan limit is $314,827, but you can get an FHA loan of up to $433,550 in higher-cost locations.
Nebraska is dominated by rural neighborhoods, although there are some higher-cost cities, too. The median home value varies greatly depending on the county. For example, Boyd County holds the lowest median home price, at $21,000, while Sarpy and Saunders, both part of counties that include and surround Omaha, the state’s largest city, feature the highest median home value in the state, at $205,000.
A 2016 FHA report (the most recent year in which this information was made available) notes that about a quarter of the total mortgages issued in Nebraska were FHA loans (5,049). A 2018 report shows the percentage of FHA loans issued nationwide that originated in Nebraska was 0.49%.
Nebraska FHA loan limits by county
| FHA Loan Limits in Nebraska | |||||
| County | Single-Family Limit | Two-Family Limit | Three-Family Limit | Four-Family Limit | Median 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 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 conventional lenders Fannie Mae and Freddie Mac will purchase. 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 Nebraska?
An FHA loan may be a great option to help you finance your dream home in Nebraska. However, there are several requirements you must meet to qualify. Your credit score, income level and debt-to-income ratio can all be factors for qualification.
If you think you may qualify for an FHA loan or want to learn more about the general requirements, visit LendingTree’s FHA page for more information.
