Best Counties for FHA Loans
These counties offer the best FHA loan access: the 2026 FHA limit exceeds the median home value, so buyers can use FHA financing for a typical home, and prices remain reasonable relative to local incomes.
Lowest Down Payment Counties (FHA 3.5%)
Highest Loan Limit Counties in the U.S.
Best Counties for VA Loans
| # | County | Median Home | FHA Limit | Conf. Limit | 3.5% Down |
|---|---|---|---|---|---|
| 1 | Stonewall County, TX | $48,600 | $541,287 | $832,750 | $1,701 |
| 2 | Stanton County, KS | $67,800 | $541,287 | $832,750 | $2,373 |
| 3 | Cottle County, TX | $59,300 | $541,287 | $832,750 | $2,075 |
| 4 | Elk County, KS | $68,500 | $541,287 | $832,750 | $2,397 |
| 5 | Foard County, TX | $70,700 | $541,287 | $832,750 | $2,474 |
| 6 | Chautauqua County, KS | $65,500 | $541,287 | $832,750 | $2,292 |
| 7 | Kinney County, TX | $82,000 | $541,287 | $832,750 | $2,870 |
| 8 | Eureka County, NV | $82,600 | $541,287 | $832,750 | $2,891 |
| 9 | Cochran County, TX | $53,200 | $541,287 | $832,750 | $1,862 |
| 10 | Fisher County, TX | $78,600 | $541,287 | $832,750 | $2,751 |
| 11 | Jewell County, KS | $64,600 | $541,287 | $832,750 | $2,261 |
| 12 | Wichita County, KS | $99,300 | $541,287 | $832,750 | $3,475 |
| 13 | Alexander County, IL | $59,800 | $541,287 | $832,750 | $2,093 |
| 14 | Comanche County, KS | $69,600 | $541,287 | $832,750 | $2,436 |
| 15 | Pawnee County, NE | $79,400 | $541,287 | $832,750 | $2,779 |
| 16 | Oglala Lakota County, SD | $52,900 | $541,287 | $832,750 | $1,851 |
| 17 | McPherson County, SD | $85,600 | $541,287 | $832,750 | $2,996 |
| 18 | Todd County, SD | $53,900 | $541,287 | $832,750 | $1,886 |
| 19 | Dewey County, SD | $69,600 | $541,287 | $832,750 | $2,436 |
| 20 | Hardeman County, TX | $81,900 | $541,287 | $832,750 | $2,866 |
| 21 | Nuckolls County, NE | $96,500 | $541,287 | $832,750 | $3,377 |
| 22 | McIntosh County, ND | $84,200 | $541,287 | $832,750 | $2,947 |
| 23 | Ness County, KS | $89,700 | $541,287 | $832,750 | $3,139 |
| 24 | Taliaferro County, GA | $68,900 | $541,287 | $832,750 | $2,411 |
| 25 | Hudspeth County, TX | $64,000 | $541,287 | $832,750 | $2,240 |
| 26 | Dickens County, TX | $65,300 | $541,287 | $832,750 | $2,285 |
| 27 | Republic County, KS | $75,600 | $541,287 | $832,750 | $2,646 |
| 28 | Edwards County, KS | $70,900 | $541,287 | $832,750 | $2,481 |
| 29 | Culberson County, TX | $79,300 | $541,287 | $832,750 | $2,775 |
| 30 | Lamb County, TX | $82,400 | $541,287 | $832,750 | $2,884 |
| 31 | Willacy County, TX | $73,600 | $541,287 | $832,750 | $2,576 |
| 32 | Knox County, TX | $77,300 | $541,287 | $832,750 | $2,705 |
| 33 | Osborne County, KS | $86,400 | $541,287 | $832,750 | $3,024 |
| 34 | Clark County, KS | $87,600 | $541,287 | $832,750 | $3,066 |
| 35 | Rush County, KS | $83,600 | $541,287 | $832,750 | $2,926 |
| 36 | Gallatin County, IL | $82,900 | $541,287 | $832,750 | $2,901 |
| 37 | Benson County, ND | $90,000 | $541,287 | $832,750 | $3,150 |
| 38 | Schleicher County, TX | $122,700 | $541,287 | $832,750 | $4,294 |
| 39 | Mitchell County, TX | $85,800 | $541,287 | $832,750 | $3,003 |
| 40 | Rooks County, KS | $89,000 | $541,287 | $832,750 | $3,115 |
| 41 | Cass County, IL | $97,100 | $541,287 | $832,750 | $3,398 |
| 42 | Deuel County, NE | $100,200 | $541,287 | $832,750 | $3,507 |
| 43 | Greeley County, KS | $115,200 | $541,287 | $832,750 | $4,032 |
| 44 | Motley County, TX | $88,000 | $541,287 | $832,750 | $3,080 |
| 45 | Harding County, NM | $70,000 | $541,287 | $832,750 | $2,450 |
| 46 | Scott County, IL | $96,400 | $541,287 | $832,750 | $3,374 |
| 47 | Morton County, KS | $96,100 | $541,287 | $832,750 | $3,363 |
| 48 | LaMoure County, ND | $117,200 | $541,287 | $832,750 | $4,102 |
| 49 | Wibaux County, MT | $98,600 | $541,287 | $832,750 | $3,451 |
| 50 | Pawnee County, KS | $93,000 | $541,287 | $832,750 | $3,255 |
| 51 | Greenwood County, KS | $88,700 | $541,287 | $832,750 | $3,104 |
| 52 | Trego County, KS | $120,900 | $541,287 | $832,750 | $4,231 |
| 53 | Corson County, SD | $69,800 | $541,287 | $832,750 | $2,443 |
| 54 | Throckmorton County, TX | $89,500 | $541,287 | $832,750 | $3,132 |
| 55 | Warren County, GA | $67,100 | $541,287 | $832,750 | $2,348 |
| 56 | Stafford County, KS | $97,600 | $541,287 | $832,750 | $3,416 |
| 57 | Greene County, IL | $95,200 | $541,287 | $832,750 | $3,332 |
| 58 | Rawlins County, KS | $103,800 | $541,287 | $832,750 | $3,633 |
| 59 | Floyd County, TX | $89,600 | $541,287 | $832,750 | $3,136 |
| 60 | Apache County, AZ | $63,700 | $541,287 | $832,750 | $2,229 |
| 61 | Wilson County, KS | $93,500 | $541,287 | $832,750 | $3,272 |
| 62 | Nevada County, AR | $83,300 | $541,287 | $832,750 | $2,915 |
| 63 | Harper County, OK | $99,200 | $541,287 | $832,750 | $3,472 |
| 64 | Crosby County, TX | $80,900 | $541,287 | $832,750 | $2,831 |
| 65 | Boyd County, NE | $104,000 | $541,287 | $832,750 | $3,640 |
| 66 | Phillips County, KS | $96,500 | $541,287 | $832,750 | $3,377 |
| 67 | Mellette County, SD | $84,100 | $541,287 | $832,750 | $2,943 |
| 68 | Warren County, IL | $105,000 | $541,287 | $832,750 | $3,675 |
| 69 | Logan County, KS | $117,900 | $541,287 | $832,750 | $4,126 |
| 70 | Barber County, KS | $97,000 | $541,287 | $832,750 | $3,395 |
| 71 | Harper County, KS | $83,800 | $541,287 | $832,750 | $2,933 |
| 72 | Franklin County, IL | $89,000 | $541,287 | $832,750 | $3,115 |
| 73 | Alfalfa County, OK | $101,500 | $541,287 | $832,750 | $3,552 |
| 74 | McDowell County, WV | $50,000 | $541,287 | $832,750 | $1,750 |
| 75 | Pocahontas County, IA | $98,100 | $541,287 | $832,750 | $3,433 |
| 76 | Cimarron County, OK | $98,600 | $541,287 | $832,750 | $3,451 |
| 77 | Franklin County, NE | $95,600 | $541,287 | $832,750 | $3,346 |
| 78 | Smith County, KS | $94,100 | $541,287 | $832,750 | $3,293 |
| 79 | Hettinger County, ND | $117,300 | $541,287 | $832,750 | $4,105 |
| 80 | Grant County, ND | $93,200 | $541,287 | $832,750 | $3,262 |
| 81 | Furnas County, NE | $98,400 | $541,287 | $832,750 | $3,444 |
| 82 | Clay County, IL | $97,400 | $541,287 | $832,750 | $3,409 |
| 83 | Letcher County, KY | $67,400 | $541,287 | $832,750 | $2,359 |
| 84 | Woodson County, KS | $81,200 | $541,287 | $832,750 | $2,842 |
| 85 | Allegany County, NY | $101,700 | $541,287 | $832,750 | $3,559 |
| 86 | Wilcox County, GA | $87,600 | $541,287 | $832,750 | $3,066 |
| 87 | Jones County, TX | $96,500 | $541,287 | $832,750 | $3,377 |
| 88 | Edgar County, IL | $97,300 | $541,287 | $832,750 | $3,405 |
| 89 | Logan County, ND | $102,000 | $541,287 | $832,750 | $3,570 |
| 90 | Haskell County, TX | $98,700 | $541,287 | $832,750 | $3,454 |
| 91 | Tillman County, OK | $79,800 | $541,287 | $832,750 | $2,793 |
| 92 | Boone County, WV | $93,100 | $541,287 | $832,750 | $3,258 |
| 93 | Frio County, TX | $107,700 | $541,287 | $832,750 | $3,769 |
| 94 | Concho County, TX | $107,400 | $541,287 | $832,750 | $3,759 |
| 95 | Rice County, KS | $104,600 | $541,287 | $832,750 | $3,661 |
| 96 | Kusilvak Census Area, AK | $84,300 | $811,931 | $1,249,125 | $2,950 |
| 97 | Donley County, TX | $96,400 | $541,287 | $832,750 | $3,374 |
| 98 | Appling County, GA | $76,700 | $541,287 | $832,750 | $2,684 |
| 99 | Refugio County, TX | $99,000 | $541,287 | $832,750 | $3,465 |
| 100 | Mason County, IL | $103,400 | $541,287 | $832,750 | $3,619 |
Methodology: Rankings are editorial, based on 2026 FHA and conforming loan limits (HUD, FHFA) combined with U.S. Census ACS 5-Year Estimates for median home values and household income. These rankings are not investment advice or lending recommendations.
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