Best Counties for VA Loans
VA loans have no county loan limit for eligible veterans with full entitlement. These counties offer the best combination of affordable entry prices and stable, owner-occupied communities.
Best Counties for FHA Loans
Lowest Down Payment Counties (FHA 3.5%)
Highest Loan Limit Counties in the U.S.
| # | 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 | McPherson County, SD | $85,600 | $541,287 | $832,750 | $2,996 |
| 17 | Dewey County, SD | $69,600 | $541,287 | $832,750 | $2,436 |
| 18 | Hardeman County, TX | $81,900 | $541,287 | $832,750 | $2,866 |
| 19 | Nuckolls County, NE | $96,500 | $541,287 | $832,750 | $3,377 |
| 20 | McIntosh County, ND | $84,200 | $541,287 | $832,750 | $2,947 |
| 21 | Ness County, KS | $89,700 | $541,287 | $832,750 | $3,139 |
| 22 | Taliaferro County, GA | $68,900 | $541,287 | $832,750 | $2,411 |
| 23 | Hudspeth County, TX | $64,000 | $541,287 | $832,750 | $2,240 |
| 24 | Dickens County, TX | $65,300 | $541,287 | $832,750 | $2,285 |
| 25 | Republic County, KS | $75,600 | $541,287 | $832,750 | $2,646 |
| 26 | Edwards County, KS | $70,900 | $541,287 | $832,750 | $2,481 |
| 27 | Culberson County, TX | $79,300 | $541,287 | $832,750 | $2,775 |
| 28 | Lamb County, TX | $82,400 | $541,287 | $832,750 | $2,884 |
| 29 | Willacy County, TX | $73,600 | $541,287 | $832,750 | $2,576 |
| 30 | Knox County, TX | $77,300 | $541,287 | $832,750 | $2,705 |
| 31 | Osborne County, KS | $86,400 | $541,287 | $832,750 | $3,024 |
| 32 | Clark County, KS | $87,600 | $541,287 | $832,750 | $3,066 |
| 33 | Rush County, KS | $83,600 | $541,287 | $832,750 | $2,926 |
| 34 | Gallatin County, IL | $82,900 | $541,287 | $832,750 | $2,901 |
| 35 | Benson County, ND | $90,000 | $541,287 | $832,750 | $3,150 |
| 36 | Schleicher County, TX | $122,700 | $541,287 | $832,750 | $4,294 |
| 37 | Mitchell County, TX | $85,800 | $541,287 | $832,750 | $3,003 |
| 38 | Rooks County, KS | $89,000 | $541,287 | $832,750 | $3,115 |
| 39 | Cass County, IL | $97,100 | $541,287 | $832,750 | $3,398 |
| 40 | Deuel County, NE | $100,200 | $541,287 | $832,750 | $3,507 |
| 41 | Greeley County, KS | $115,200 | $541,287 | $832,750 | $4,032 |
| 42 | Motley County, TX | $88,000 | $541,287 | $832,750 | $3,080 |
| 43 | Harding County, NM | $70,000 | $541,287 | $832,750 | $2,450 |
| 44 | Scott County, IL | $96,400 | $541,287 | $832,750 | $3,374 |
| 45 | Morton County, KS | $96,100 | $541,287 | $832,750 | $3,363 |
| 46 | LaMoure County, ND | $117,200 | $541,287 | $832,750 | $4,102 |
| 47 | Wibaux County, MT | $98,600 | $541,287 | $832,750 | $3,451 |
| 48 | Pawnee County, KS | $93,000 | $541,287 | $832,750 | $3,255 |
| 49 | Greenwood County, KS | $88,700 | $541,287 | $832,750 | $3,104 |
| 50 | Trego County, KS | $120,900 | $541,287 | $832,750 | $4,231 |
| 51 | Throckmorton County, TX | $89,500 | $541,287 | $832,750 | $3,132 |
| 52 | Warren County, GA | $67,100 | $541,287 | $832,750 | $2,348 |
| 53 | Stafford County, KS | $97,600 | $541,287 | $832,750 | $3,416 |
| 54 | Greene County, IL | $95,200 | $541,287 | $832,750 | $3,332 |
| 55 | Rawlins County, KS | $103,800 | $541,287 | $832,750 | $3,633 |
| 56 | Floyd County, TX | $89,600 | $541,287 | $832,750 | $3,136 |
| 57 | Apache County, AZ | $63,700 | $541,287 | $832,750 | $2,229 |
| 58 | Wilson County, KS | $93,500 | $541,287 | $832,750 | $3,272 |
| 59 | Nevada County, AR | $83,300 | $541,287 | $832,750 | $2,915 |
| 60 | Harper County, OK | $99,200 | $541,287 | $832,750 | $3,472 |
| 61 | Crosby County, TX | $80,900 | $541,287 | $832,750 | $2,831 |
| 62 | Boyd County, NE | $104,000 | $541,287 | $832,750 | $3,640 |
| 63 | Phillips County, KS | $96,500 | $541,287 | $832,750 | $3,377 |
| 64 | Mellette County, SD | $84,100 | $541,287 | $832,750 | $2,943 |
| 65 | Warren County, IL | $105,000 | $541,287 | $832,750 | $3,675 |
| 66 | Logan County, KS | $117,900 | $541,287 | $832,750 | $4,126 |
| 67 | Barber County, KS | $97,000 | $541,287 | $832,750 | $3,395 |
| 68 | Harper County, KS | $83,800 | $541,287 | $832,750 | $2,933 |
| 69 | Franklin County, IL | $89,000 | $541,287 | $832,750 | $3,115 |
| 70 | Alfalfa County, OK | $101,500 | $541,287 | $832,750 | $3,552 |
| 71 | McDowell County, WV | $50,000 | $541,287 | $832,750 | $1,750 |
| 72 | Pocahontas County, IA | $98,100 | $541,287 | $832,750 | $3,433 |
| 73 | Cimarron County, OK | $98,600 | $541,287 | $832,750 | $3,451 |
| 74 | Franklin County, NE | $95,600 | $541,287 | $832,750 | $3,346 |
| 75 | Smith County, KS | $94,100 | $541,287 | $832,750 | $3,293 |
| 76 | Hettinger County, ND | $117,300 | $541,287 | $832,750 | $4,105 |
| 77 | Grant County, ND | $93,200 | $541,287 | $832,750 | $3,262 |
| 78 | Furnas County, NE | $98,400 | $541,287 | $832,750 | $3,444 |
| 79 | Clay County, IL | $97,400 | $541,287 | $832,750 | $3,409 |
| 80 | Letcher County, KY | $67,400 | $541,287 | $832,750 | $2,359 |
| 81 | Woodson County, KS | $81,200 | $541,287 | $832,750 | $2,842 |
| 82 | Allegany County, NY | $101,700 | $541,287 | $832,750 | $3,559 |
| 83 | Wilcox County, GA | $87,600 | $541,287 | $832,750 | $3,066 |
| 84 | Jones County, TX | $96,500 | $541,287 | $832,750 | $3,377 |
| 85 | Edgar County, IL | $97,300 | $541,287 | $832,750 | $3,405 |
| 86 | Logan County, ND | $102,000 | $541,287 | $832,750 | $3,570 |
| 87 | Haskell County, TX | $98,700 | $541,287 | $832,750 | $3,454 |
| 88 | Tillman County, OK | $79,800 | $541,287 | $832,750 | $2,793 |
| 89 | Boone County, WV | $93,100 | $541,287 | $832,750 | $3,258 |
| 90 | Concho County, TX | $107,400 | $541,287 | $832,750 | $3,759 |
| 91 | Rice County, KS | $104,600 | $541,287 | $832,750 | $3,661 |
| 92 | Kusilvak Census Area, AK | $84,300 | $811,931 | $1,249,125 | $2,950 |
| 93 | Donley County, TX | $96,400 | $541,287 | $832,750 | $3,374 |
| 94 | Appling County, GA | $76,700 | $541,287 | $832,750 | $2,684 |
| 95 | Refugio County, TX | $99,000 | $541,287 | $832,750 | $3,465 |
| 96 | Mason County, IL | $103,400 | $541,287 | $832,750 | $3,619 |
| 97 | Hamilton County, KS | $115,800 | $541,287 | $832,750 | $4,053 |
| 98 | McKinley County, NM | $78,700 | $541,287 | $832,750 | $2,754 |
| 99 | Edwards County, IL | $100,000 | $541,287 | $832,750 | $3,500 |
| 100 | Wilbarger County, TX | $89,400 | $541,287 | $832,750 | $3,129 |
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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