2026 FHA Loan Limits in Wisconsin
If you have limited down payment savings or a lower credit score, a loan through the Federal Housing Administration (FHA) might be more accessible than a conventional mortgage. But first, you’ll need to understand FHA loan limits, which vary by county.
FHA loan amounts in most Wisconsin counties are capped at $541,287 for a single-family home and $1,041,125 for a multifamily home with four units. However, buyers in Pierce and St. Croix counties may qualify for FHA loans at a slightly higher limit of $552,000 for a single-family home and $1,061,550 for a four-unit multifamily property.
Wisconsin FHA loan limits by county
Wisconsin single-family FHA loan limits
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| ADAMS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| ASHLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $138,000 |
| BARRON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $220,000 |
| BAYFIELD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $196,000 |
| BROWN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $300,000 |
| BUFFALO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $190,000 |
| BURNETT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| CALUMET COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $310,000 |
| CHIPPEWA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $290,000 |
| CLARK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $160,000 |
| COLUMBIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $448,000 |
| CRAWFORD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| DANE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $448,000 |
| DODGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $261,000 |
| DOOR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $325,000 |
| DOUGLAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $236,000 |
| DUNN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $245,000 |
| EAU CLAIRE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $290,000 |
| FLORENCE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| FOND DU LAC COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| FOREST COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $102,000 |
| GRANT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| GREEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $448,000 |
| GREEN LAKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $205,000 |
| IOWA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $448,000 |
| IRON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| JACKSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $163,000 |
| JEFFERSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $308,000 |
| JUNEAU COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| KENOSHA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $281,000 |
| KEWAUNEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $300,000 |
| LA CROSSE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $280,000 |
| LAFAYETTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $189,000 |
| LANGLADE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $134,000 |
| LINCOLN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $159,000 |
| MANITOWOC COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $202,000 |
| MARATHON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| MARINETTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| MARQUETTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| MENOMINEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $210,000 |
| MILWAUKEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $447,000 |
| MONROE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| OCONTO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $300,000 |
| ONEIDA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $223,000 |
| OUTAGAMIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $310,000 |
| OZAUKEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $447,000 |
| PEPIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $191,000 |
| PIERCE COUNTY | $552,000 | $706,650 | $854,200 | $1,061,550 | $480,000 |
| POLK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| PORTAGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| PRICE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $125,000 |
| RACINE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $260,000 |
| RICHLAND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| ROCK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $240,000 |
| RUSK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $136,000 |
| SAUK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $262,000 |
| SAWYER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $190,000 |
| SHAWANO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $210,000 |
| SHEBOYGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $265,000 |
| ST. CROIX COUNTY | $552,000 | $706,650 | $854,200 | $1,061,550 | $480,000 |
| TAYLOR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| TREMPEALEAU COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $203,000 |
| VERNON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $280,000 |
| VILAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $265,000 |
| WALWORTH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $349,000 |
| WASHBURN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $189,000 |
| WASHINGTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $447,000 |
| WAUKESHA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $447,000 |
| WAUPACA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| WAUSHARA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $447,000 |
| WINNEBAGO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| WOOD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $177,000 |
How are FHA loan limits determined?
The FHA sets annual loan limits based on location and property type. By law, the FHA must update a region’s loan limits every year according to recent home prices and national conforming loan limits.
For 2026, the FHA recently increased the “floor” for single-family home loans in low-cost areas to $541,287. In other words, if you buy a home in a low-cost area, that will be your FHA loan maximum. The FHA also boosted the loan amount “ceiling” for single-family homes in high-cost areas to $1,249,125.
How to qualify for an FHA loan in Wisconsin
FHA loans are generally easier to qualify for than other loan types. For example, FHA loans have more flexible credit and down payment requirements than conventional loans.
To qualify for an FHA loan in your area, you’ll need:
- A minimum 500 to 580 credit score: While 500 is the minimum required credit score, you’ll generally need at least a 580 credit score if you plan to make the minimum 3.5% down payment. Some lenders may allow you to qualify for an FHA loan with little to no credit history, as long as you can show a record of on-time bill payments.
- A minimum 3.5% to 10% down payment: If your credit score is 580 or higher, you might be able to put down as little 3.5% of a home’s purchase price. But if your credit score is lower, you’ll need to make a down payment of at least 10% to qualify.
- A maximum 43% DTI ratio: FHA guidelines set the maximum debt-to-income (DTI) ratio (the sum of your monthly debt payments divided by your monthly pretax income) at 43%. However, your lender may allow a higher ratio in some cases.
- Steady employment and income: Lenders will verify you have at least two years of employment history and evidence of stable income.
- Mortgage insurance: FHA loans require an upfront FHA mortgage insurance premium (UFMIP) of 1.75% of the mortgage amount, typically financed with the loan amount. Additionally, you’ll pay an annual mortgage insurance premium (MIP) of 0.15% to 0.75% of the loan amount. You’ll pay this fee as part of your monthly mortgage payment.
- Occupancy: You must live in the home as your primary residence for at least one year.
- Home appraisal: Any home financed with an FHA loan must undergo a home appraisal to verify the value and confirm it meets the FHA’s property standards.
Buying a multifamily property with an FHA loan
If you’d like to buy a property that will help you earn rental income, or if you’re considering co-buying a home with friends or family, you can also use an FHA loan to buy a multifamily home. You may even qualify for an FHA loan for a multifamily property with as little as 3.5% down. However, be mindful that the loans are limited to properties with a maximum of four units.
To qualify for an FHA loan for a multifamily home, you’ll need to meet the following requirements:
- A minimum 500 to 580 credit score.
- A minimum 3.5% to 10% down payment.
- One of the units in the home must be your primary residence.
- You must have at least three months’ worth of cash reserves on hand if you’re buying a three- or four-unit property.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Wisconsin
| Lender | LendingTree rating | Minimum FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 |
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