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FHA loans in Liberal, KS

Quick answer

The 2026 FHA loan limit in Liberal, KS (Seward County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $134,500 median home value, that down payment is about $4,708 and the estimated payment is $1,244/month at 7.18%, which needs roughly $54,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $61,875; value-to-income ratio 2.17. Liberal ranks 25 by home value and 23 by population among 35 places in our KS dataset.

What does an FHA loan cost on a typical Liberal home?

ItemLiberal
Median home value (Census ACS)$134,500
Kansas median home value$203,400
Down payment (3.5%)$4,708
Loan incl. 1.75% upfront MIP$132,064
Estimated monthly payment (PITI + MI)$1,244
Income needed (28% / 36%)$54,000 / $42,000
Seward County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Kansas's 1.30% effective property tax rate (Census ACS), $1,733/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Liberal?

Liberal is in Seward County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Liberal median home value of $134,500 is 34% below the Kansas median, and within what the county limit supports.

Which down payment assistance programs can Liberal buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

FHA loans in nearby cities

Garden CityDodge CityGreat BendHaysHutchinsonHaysville

FHA loan FAQs for Liberal

Liberal is in Seward County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $134,500 is about $4,708 with a 580+ credit score (10%, or $13,450, with a 500–579 score), plus closing costs.

At the $134,500 median value (below the Kansas median of $203,400), the estimated payment of $1,244/month at 7.18% needs about $54,000 a year under the 28% housing guideline, or $42,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.