2026 FHA Loan Limits in Wyoming
If you don’t qualify for a conventional home loan, an FHA loan — backed by the Federal Housing Administration — may help you become a homeowner. FHA loans allow borrowers with lower credit scores to successfully apply for home loans up to certain amounts, which change annually. In 2026, FHA loan limits range from $541,287 for single-family homes in most areas of Wyoming to $1,249,125 in its highest-cost metros. Read on for more in-depth details, including qualification requirements, multifamily home-buying opportunities and more.
Wyoming FHA loan limits by county
Wyoming single-family FHA loan limits
| County Name | One Unit | Two Units | Three Units | Four Units | Median Sales Price |
|---|---|---|---|---|---|
| ALBANY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $382,000 |
| BIG HORN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| CAMPBELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $221,000 |
| CARBON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $194,000 |
| CONVERSE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $297,000 |
| CROOK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $297,000 |
| FREMONT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $114,000 |
| GOSHEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $228,000 |
| HOT SPRINGS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $308,000 |
| JOHNSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $358,000 |
| LARAMIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $360,000 |
| LINCOLN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $394,000 |
| NATRONA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $297,000 |
| NIOBRARA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $253,000 |
| PARK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $364,000 |
| PLATTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $244,000 |
| SHERIDAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $397,000 |
| SUBLETTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $366,000 |
| SWEETWATER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| TETON COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,740,000 |
| UINTA COUNTY | $579,600 | $742,000 | $896,900 | $1,114,650 | $433,000 |
| WASHAKIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $252,000 |
| WESTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $279,000 |
How are FHA loan limits determined?
Each year, the Federal Housing Finance Agency (FHFA) sets limits for conventional loans. The FHA loan limits are calculated annually as a percentage of that conventional loan limit — specifically, 65% for the lowest limits (or “floor” limits) and 125% for the highest limits (or “ceiling”) limits.
Then, the FHA loan limits are set for each county in the state based on the area’s cost of living and home prices. In 2026, the FHA loan limit “floor” is $541,287 for single-family homes, which applies in most Wyoming counties. The “ceiling” in high-cost areas runs up to $1,249,125, which applies only in Teton County, Wyoming. (Uinta County has a single-family limit slightly higher than the FHA’s floor at $579,600.)
How to qualify for an FHA loan in Wyoming
FHA loans have less stringent mortgage qualification requirements than conventional loans, but you will still need to meet some eligibility metrics. These loans are designed for borrowers with imperfect or low credit scores, but your credit score will also affect how much of a down payment you’ll need for the property.
To qualify for an FHA loan, you’ll need to have:
- A credit score of at least 500, which will allow you to put down a 10% down payment
- A credit score of at least 580 to put down a 3.5% down payment
- A debt-to-income (DTI) ratio of less than 43%
- Proof of steady income and/or employment
You’ll also need to live in the home as your primary residence and pay MIP, which is a type of mortgage insurance. As you can see, a higher credit score allows you to put down a lower down payment, whereas those with a lower credit score will need to have more cash reserves on hand to meet the minimum requirements.
Buying a multifamily property with an FHA loan
Along with single-family homes, FHA loans also allow borrowers to purchase homes with multiple units. Buying a multifamily home and renting out the additional units is one of the most popular ways to house hack — which can make homeownership more affordable for many households.
Purchasing a multifamily home using an FHA loan comes with many of the same requirements as purchasing a single-family home, including:
- The same credit score and down payment requirements listed above (500 for 10%; 580 for 3.5%)
- To live in one of the home’s units as your primary residence
- To rent out the other units only on a long-term (i.e., 30 days or more) basis — rather than using them as short-term rentals, like Airbnbs
Because multifamily homes cost more than single-family homes, the FHA loan limits for them are higher. In 2026, the Wyoming low-cost FHA loan limits on multifamily homes are as follows:
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Wyoming
| Lender | LendingTree rating | Minimum FHA credit score | |
|---|---|---|---|
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 |
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