Iowa Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 99 Iowa counties. Every county is at the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
Iowa counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Adair County | $541,287 | $832,750 | Floor |
| Adams County | $541,287 | $832,750 | Floor |
| Allamakee County | $541,287 | $832,750 | Floor |
| Appanoose County | $541,287 | $832,750 | Floor |
| Audubon County | $541,287 | $832,750 | Floor |
| Benton County | $541,287 | $832,750 | Floor |
| Black Hawk County | $541,287 | $832,750 | Floor |
| Boone County | $541,287 | $832,750 | Floor |
| Bremer County | $541,287 | $832,750 | Floor |
| Buchanan County | $541,287 | $832,750 | Floor |
| Buena Vista County | $541,287 | $832,750 | Floor |
| Butler County | $541,287 | $832,750 | Floor |
| Calhoun County | $541,287 | $832,750 | Floor |
| Carroll County | $541,287 | $832,750 | Floor |
| Cass County | $541,287 | $832,750 | Floor |
| Cedar County | $541,287 | $832,750 | Floor |
| Cerro Gordo County | $541,287 | $832,750 | Floor |
| Cherokee County | $541,287 | $832,750 | Floor |
| Chickasaw County | $541,287 | $832,750 | Floor |
| Clarke County | $541,287 | $832,750 | Floor |
| Clay County | $541,287 | $832,750 | Floor |
| Clayton County | $541,287 | $832,750 | Floor |
| Clinton County | $541,287 | $832,750 | Floor |
| Crawford County | $541,287 | $832,750 | Floor |
| Dallas County | $541,287 | $832,750 | Floor |
| Davis County | $541,287 | $832,750 | Floor |
| Decatur County | $541,287 | $832,750 | Floor |
| Delaware County | $541,287 | $832,750 | Floor |
| Des Moines County | $541,287 | $832,750 | Floor |
| Dickinson County | $541,287 | $832,750 | Floor |
| Dubuque County | $541,287 | $832,750 | Floor |
| Emmet County | $541,287 | $832,750 | Floor |
| Fayette County | $541,287 | $832,750 | Floor |
| Floyd County | $541,287 | $832,750 | Floor |
| Franklin County | $541,287 | $832,750 | Floor |
| Fremont County | $541,287 | $832,750 | Floor |
| Greene County | $541,287 | $832,750 | Floor |
| Grundy County | $541,287 | $832,750 | Floor |
| Guthrie County | $541,287 | $832,750 | Floor |
| Hamilton County | $541,287 | $832,750 | Floor |
| Hancock County | $541,287 | $832,750 | Floor |
| Hardin County | $541,287 | $832,750 | Floor |
| Harrison County | $541,287 | $832,750 | Floor |
| Henry County | $541,287 | $832,750 | Floor |
| Howard County | $541,287 | $832,750 | Floor |
| Humboldt County | $541,287 | $832,750 | Floor |
| Ida County | $541,287 | $832,750 | Floor |
| Iowa County | $541,287 | $832,750 | Floor |
| Jackson County | $541,287 | $832,750 | Floor |
| Jasper County | $541,287 | $832,750 | Floor |
| Jefferson County | $541,287 | $832,750 | Floor |
| Johnson County | $541,287 | $832,750 | Floor |
| Jones County | $541,287 | $832,750 | Floor |
| Keokuk County | $541,287 | $832,750 | Floor |
| Kossuth County | $541,287 | $832,750 | Floor |
| Lee County | $541,287 | $832,750 | Floor |
| Linn County | $541,287 | $832,750 | Floor |
| Louisa County | $541,287 | $832,750 | Floor |
| Lucas County | $541,287 | $832,750 | Floor |
| Lyon County | $541,287 | $832,750 | Floor |
| Madison County | $541,287 | $832,750 | Floor |
| Mahaska County | $541,287 | $832,750 | Floor |
| Marion County | $541,287 | $832,750 | Floor |
| Marshall County | $541,287 | $832,750 | Floor |
| Mills County | $541,287 | $832,750 | Floor |
| Mitchell County | $541,287 | $832,750 | Floor |
| Monona County | $541,287 | $832,750 | Floor |
| Monroe County | $541,287 | $832,750 | Floor |
| Montgomery County | $541,287 | $832,750 | Floor |
| Muscatine County | $541,287 | $832,750 | Floor |
| O'Brien County | $541,287 | $832,750 | Floor |
| Osceola County | $541,287 | $832,750 | Floor |
| Page County | $541,287 | $832,750 | Floor |
| Palo Alto County | $541,287 | $832,750 | Floor |
| Plymouth County | $541,287 | $832,750 | Floor |
| Pocahontas County | $541,287 | $832,750 | Floor |
| Polk County | $541,287 | $832,750 | Floor |
| Pottawattamie County | $541,287 | $832,750 | Floor |
| Poweshiek County | $541,287 | $832,750 | Floor |
| Ringgold County | $541,287 | $832,750 | Floor |
| Sac County | $541,287 | $832,750 | Floor |
| Scott County | $541,287 | $832,750 | Floor |
| Shelby County | $541,287 | $832,750 | Floor |
| Sioux County | $541,287 | $832,750 | Floor |
| Story County | $541,287 | $832,750 | Floor |
| Tama County | $541,287 | $832,750 | Floor |
| Taylor County | $541,287 | $832,750 | Floor |
| Union County | $541,287 | $832,750 | Floor |
| Van Buren County | $541,287 | $832,750 | Floor |
| Wapello County | $541,287 | $832,750 | Floor |
| Warren County | $541,287 | $832,750 | Floor |
| Washington County | $541,287 | $832,750 | Floor |
| Wayne County | $541,287 | $832,750 | Floor |
| Webster County | $541,287 | $832,750 | Floor |
| Winnebago County | $541,287 | $832,750 | Floor |
| Winneshiek County | $541,287 | $832,750 | Floor |
| Woodbury County | $541,287 | $832,750 | Floor |
| Worth County | $541,287 | $832,750 | Floor |
| Wright County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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