What are the loan limits in each Iowa county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Adair County | $832,750 | $541,287 | $693,050 | $140,600 |
| Adams County | $832,750 | $541,287 | $693,050 | $116,900 |
| Allamakee County | $832,750 | $541,287 | $693,050 | $171,900 |
| Appanoose County | $832,750 | $541,287 | $693,050 | $119,800 |
| Audubon County | $832,750 | $541,287 | $693,050 | $110,400 |
| Benton County | $832,750 | $541,287 | $693,050 | $198,400 |
| Black Hawk County | $832,750 | $541,287 | $693,050 | $182,400 |
| Boone County | $832,750 | $541,287 | $693,050 | $191,200 |
| Bremer County | $832,750 | $541,287 | $693,050 | $207,200 |
| Buchanan County | $832,750 | $541,287 | $693,050 | $171,400 |
| Buena Vista County | $832,750 | $541,287 | $693,050 | $146,900 |
| Butler County | $832,750 | $541,287 | $693,050 | $156,500 |
| Calhoun County | $832,750 | $541,287 | $693,050 | $114,400 |
| Carroll County | $832,750 | $541,287 | $693,050 | $175,700 |
| Cass County | $832,750 | $541,287 | $693,050 | $133,300 |
| Cedar County | $832,750 | $541,287 | $693,050 | $199,700 |
| Cerro Gordo County | $832,750 | $541,287 | $693,050 | $154,100 |
| Cherokee County | $832,750 | $541,287 | $693,050 | $145,100 |
| Chickasaw County | $832,750 | $541,287 | $693,050 | $164,400 |
| Clarke County | $832,750 | $541,287 | $693,050 | $160,200 |
| Clay County | $832,750 | $541,287 | $693,050 | $171,500 |
| Clayton County | $832,750 | $541,287 | $693,050 | $155,700 |
| Clinton County | $832,750 | $541,287 | $693,050 | $153,800 |
| Crawford County | $832,750 | $541,287 | $693,050 | $136,300 |
| Dallas County | $832,750 | $541,287 | $693,050 | $333,400 |
| Davis County | $832,750 | $541,287 | $693,050 | $146,000 |
| Decatur County | $832,750 | $541,287 | $693,050 | $109,500 |
| Delaware County | $832,750 | $541,287 | $693,050 | $168,700 |
| Des Moines County | $832,750 | $541,287 | $693,050 | $137,000 |
| Dickinson County | $832,750 | $541,287 | $693,050 | $251,600 |
| Dubuque County | $832,750 | $541,287 | $693,050 | $226,100 |
| Emmet County | $832,750 | $541,287 | $693,050 | $106,200 |
| Fayette County | $832,750 | $541,287 | $693,050 | $130,800 |
| Floyd County | $832,750 | $541,287 | $693,050 | $133,300 |
| Franklin County | $832,750 | $541,287 | $693,050 | $118,500 |
| Fremont County | $832,750 | $541,287 | $693,050 | $147,500 |
| Greene County | $832,750 | $541,287 | $693,050 | $140,500 |
| Grundy County | $832,750 | $541,287 | $693,050 | $180,500 |
| Guthrie County | $832,750 | $541,287 | $693,050 | $163,900 |
| Hamilton County | $832,750 | $541,287 | $693,050 | $132,300 |
| Hancock County | $832,750 | $541,287 | $693,050 | $129,300 |
| Hardin County | $832,750 | $541,287 | $693,050 | $113,000 |
| Harrison County | $832,750 | $541,287 | $693,050 | $165,300 |
| Henry County | $832,750 | $541,287 | $693,050 | $148,600 |
| Howard County | $832,750 | $541,287 | $693,050 | $133,900 |
| Humboldt County | $832,750 | $541,287 | $693,050 | $146,900 |
| Ida County | $832,750 | $541,287 | $693,050 | $108,800 |
| Iowa County | $832,750 | $541,287 | $693,050 | $189,800 |
| Jackson County | $832,750 | $541,287 | $693,050 | $170,000 |
| Jasper County | $832,750 | $541,287 | $693,050 | $176,800 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $161,200 |
| Johnson County | $832,750 | $541,287 | $693,050 | $293,100 |
| Jones County | $832,750 | $541,287 | $693,050 | $183,400 |
| Keokuk County | $832,750 | $541,287 | $693,050 | $112,200 |
| Kossuth County | $832,750 | $541,287 | $693,050 | $135,100 |
| Lee County | $832,750 | $541,287 | $693,050 | $123,600 |
| Linn County | $832,750 | $541,287 | $693,050 | $204,400 |
| Louisa County | $832,750 | $541,287 | $693,050 | $137,600 |
| Lucas County | $832,750 | $541,287 | $693,050 | $117,000 |
| Lyon County | $832,750 | $541,287 | $693,050 | $215,600 |
| Madison County | $832,750 | $541,287 | $693,050 | $236,900 |
| Mahaska County | $832,750 | $541,287 | $693,050 | $140,900 |
| Marion County | $832,750 | $541,287 | $693,050 | $211,100 |
| Marshall County | $832,750 | $541,287 | $693,050 | $134,100 |
| Mills County | $832,750 | $541,287 | $693,050 | $228,700 |
| Mitchell County | $832,750 | $541,287 | $693,050 | $164,100 |
| Monona County | $832,750 | $541,287 | $693,050 | $122,600 |
| Monroe County | $832,750 | $541,287 | $693,050 | $135,900 |
| Montgomery County | $832,750 | $541,287 | $693,050 | $109,900 |
| Muscatine County | $832,750 | $541,287 | $693,050 | $172,400 |
| O'Brien County | $832,750 | $541,287 | $693,050 | $158,900 |
| Osceola County | $832,750 | $541,287 | $693,050 | $123,800 |
| Page County | $832,750 | $541,287 | $693,050 | $120,000 |
| Palo Alto County | $832,750 | $541,287 | $693,050 | $119,300 |
| Plymouth County | $832,750 | $541,287 | $693,050 | $218,600 |
| Pocahontas County | $832,750 | $541,287 | $693,050 | $93,300 |
| Polk County | $832,750 | $541,287 | $693,050 | $248,400 |
| Pottawattamie County | $832,750 | $541,287 | $693,050 | $183,600 |
| Poweshiek County | $832,750 | $541,287 | $693,050 | $184,200 |
| Ringgold County | $832,750 | $541,287 | $693,050 | $150,300 |
| Sac County | $832,750 | $541,287 | $693,050 | $138,400 |
| Scott County | $832,750 | $541,287 | $693,050 | $212,500 |
| Shelby County | $832,750 | $541,287 | $693,050 | $156,200 |
| Sioux County | $832,750 | $541,287 | $693,050 | $235,600 |
| Story County | $832,750 | $541,287 | $693,050 | $243,600 |
| Tama County | $832,750 | $541,287 | $693,050 | $139,900 |
| Taylor County | $832,750 | $541,287 | $693,050 | $109,700 |
| Union County | $832,750 | $541,287 | $693,050 | $117,800 |
| Van Buren County | $832,750 | $541,287 | $693,050 | $118,800 |
| Wapello County | $832,750 | $541,287 | $693,050 | $112,900 |
| Warren County | $832,750 | $541,287 | $693,050 | $252,800 |
| Washington County | $832,750 | $541,287 | $693,050 | $199,600 |
| Wayne County | $832,750 | $541,287 | $693,050 | $102,300 |
| Webster County | $832,750 | $541,287 | $693,050 | $138,500 |
| Winnebago County | $832,750 | $541,287 | $693,050 | $132,300 |
| Winneshiek County | $832,750 | $541,287 | $693,050 | $239,000 |
| Woodbury County | $832,750 | $541,287 | $693,050 | $172,000 |
| Worth County | $832,750 | $541,287 | $693,050 | $142,300 |
| Wright County | $832,750 | $541,287 | $693,050 | $109,800 |
Which Iowa counties are high-cost areas?
No Iowa county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Iowa
Frequently asked questions
FHA one-unit limits in Iowa start at $541,287. In Polk County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Polk County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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