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2026 Iowa loan limits by county
Iowa has 99 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Wright County; the state median is $832,750. 0 of 99 are above the $832,750 national baseline. 99 sit at the 2026 FHA floor of $541,287.
- 99Counties listed
- $832,750Highest 1-unit conformingWright County
- $832,750Median 1-unit conforming
- 99At FHA floorof 99
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Adair County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Adams County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Allamakee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Appanoose County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Audubon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Benton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Black Hawk County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Boone County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bremer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Buchanan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Buena Vista County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Butler County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Calhoun County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carroll County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cass County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cedar County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cerro Gordo County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cherokee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chickasaw County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clarke County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clayton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clinton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Crawford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dallas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Davis County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Decatur County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Delaware County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Des Moines County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dickinson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dubuque County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Emmet County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fayette County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Floyd County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fremont County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Greene County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grundy County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Guthrie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hamilton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hancock County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hardin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Harrison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Henry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Howard County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Humboldt County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ida County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Iowa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jackson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jasper County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jefferson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Johnson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jones County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Keokuk County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kossuth County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Linn County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Louisa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lucas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lyon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Madison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mahaska County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marion County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marshall County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mills County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mitchell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Monona County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Monroe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Montgomery County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Muscatine County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| O'Brien County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Osceola County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Page County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Palo Alto County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Plymouth County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pocahontas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Polk County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pottawattamie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Poweshiek County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ringgold County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sac County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Scott County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Shelby County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sioux County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Story County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tama County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Taylor County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Union County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Van Buren County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wapello County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Warren County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wayne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Webster County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Winnebago County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Winneshiek County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Woodbury County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Worth County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wright County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.