Lowest Down Payment Counties (FHA 3.5%)
These counties have the smallest absolute FHA down payments in the country — where 3.5% down on the median home is a fraction of what it costs in high-cost metros.
| # | County | Median Home | FHA Limit | Conf. Limit | 3.5% Down |
|---|---|---|---|---|---|
| 1 | Stonewall County, TX | $48,600 | $541,287 | $832,750 | $1,701 |
| 2 | McDowell County, WV | $50,000 | $541,287 | $832,750 | $1,750 |
| 3 | Oglala Lakota County, SD | $52,900 | $541,287 | $832,750 | $1,851 |
| 4 | Cochran County, TX | $53,200 | $541,287 | $832,750 | $1,862 |
| 5 | Todd County, SD | $53,900 | $541,287 | $832,750 | $1,886 |
| 6 | Cottle County, TX | $59,300 | $541,287 | $832,750 | $2,075 |
| 7 | Alexander County, IL | $59,800 | $541,287 | $832,750 | $2,093 |
| 8 | Apache County, AZ | $63,700 | $541,287 | $832,750 | $2,229 |
| 9 | Hudspeth County, TX | $64,000 | $541,287 | $832,750 | $2,240 |
| 10 | Jewell County, KS | $64,600 | $541,287 | $832,750 | $2,261 |
| 11 | Stewart County, GA | $65,100 | $541,287 | $832,750 | $2,278 |
| 12 | Dickens County, TX | $65,300 | $541,287 | $832,750 | $2,285 |
| 13 | Chautauqua County, KS | $65,500 | $541,287 | $832,750 | $2,292 |
| 14 | Warren County, GA | $67,100 | $541,287 | $832,750 | $2,348 |
| 15 | Letcher County, KY | $67,400 | $541,287 | $832,750 | $2,359 |
| 16 | Stanton County, KS | $67,800 | $541,287 | $832,750 | $2,373 |
| 17 | Elk County, KS | $68,500 | $541,287 | $832,750 | $2,397 |
| 18 | Taliaferro County, GA | $68,900 | $541,287 | $832,750 | $2,411 |
| 19 | Leslie County, KY | $69,000 | $541,287 | $832,750 | $2,415 |
| 20 | Comanche County, KS | $69,600 | $541,287 | $832,750 | $2,436 |
| 21 | Quitman County, MS | $69,600 | $541,287 | $832,750 | $2,436 |
| 22 | Dewey County, SD | $69,600 | $541,287 | $832,750 | $2,436 |
| 23 | Corson County, SD | $69,800 | $541,287 | $832,750 | $2,443 |
| 24 | Harding County, NM | $70,000 | $541,287 | $832,750 | $2,450 |
| 25 | Breathitt County, KY | $70,300 | $541,287 | $832,750 | $2,460 |
| 26 | Foard County, TX | $70,700 | $541,287 | $832,750 | $2,474 |
| 27 | Edwards County, KS | $70,900 | $541,287 | $832,750 | $2,481 |
| 28 | Willacy County, TX | $73,600 | $541,287 | $832,750 | $2,576 |
| 29 | Harlan County, KY | $73,700 | $541,287 | $832,750 | $2,579 |
| 30 | Lee County, AR | $75,300 | $541,287 | $832,750 | $2,635 |
| 31 | Republic County, KS | $75,600 | $541,287 | $832,750 | $2,646 |
| 32 | Wolfe County, KY | $75,800 | $541,287 | $832,750 | $2,653 |
| 33 | Webster County, WV | $76,100 | $541,287 | $832,750 | $2,663 |
| 34 | Allendale County, SC | $76,200 | $541,287 | $832,750 | $2,667 |
| 35 | Appling County, GA | $76,700 | $541,287 | $832,750 | $2,684 |
| 36 | Knott County, KY | $77,000 | $541,287 | $832,750 | $2,695 |
| 37 | St. Helena Parish, LA | $77,300 | $541,287 | $832,750 | $2,705 |
| 38 | Knox County, TX | $77,300 | $541,287 | $832,750 | $2,705 |
| 39 | Garza County, TX | $77,800 | $541,287 | $832,750 | $2,723 |
| 40 | Phillips County, AR | $78,200 | $541,287 | $832,750 | $2,737 |
| 41 | Fisher County, TX | $78,600 | $541,287 | $832,750 | $2,751 |
| 42 | McKinley County, NM | $78,700 | $541,287 | $832,750 | $2,754 |
| 43 | Atkinson County, GA | $79,000 | $541,287 | $832,750 | $2,765 |
| 44 | Fulton County, KY | $79,100 | $541,287 | $832,750 | $2,768 |
| 45 | Culberson County, TX | $79,300 | $541,287 | $832,750 | $2,775 |
| 46 | Pawnee County, NE | $79,400 | $541,287 | $832,750 | $2,779 |
| 47 | Harmon County, OK | $79,700 | $541,287 | $832,750 | $2,789 |
| 48 | Tillman County, OK | $79,800 | $541,287 | $832,750 | $2,793 |
| 49 | Owsley County, KY | $80,100 | $541,287 | $832,750 | $2,803 |
| 50 | Holmes County, MS | $80,400 | $541,287 | $832,750 | $2,814 |
| 51 | Crosby County, TX | $80,900 | $541,287 | $832,750 | $2,831 |
| 52 | Lafayette County, AR | $81,000 | $541,287 | $832,750 | $2,835 |
| 53 | Calhoun County, GA | $81,000 | $541,287 | $832,750 | $2,835 |
| 54 | Brooks County, TX | $81,000 | $541,287 | $832,750 | $2,835 |
| 55 | Greene County, AL | $81,200 | $541,287 | $832,750 | $2,842 |
| 56 | Woodson County, KS | $81,200 | $541,287 | $832,750 | $2,842 |
| 57 | Jefferson County, MS | $81,300 | $541,287 | $832,750 | $2,845 |
| 58 | Bullock County, AL | $81,700 | $541,287 | $832,750 | $2,859 |
| 59 | Hardeman County, TX | $81,900 | $541,287 | $832,750 | $2,866 |
| 60 | Marlboro County, SC | $82,000 | $541,287 | $832,750 | $2,870 |
| 61 | Kinney County, TX | $82,000 | $541,287 | $832,750 | $2,870 |
| 62 | Claiborne Parish, LA | $82,100 | $541,287 | $832,750 | $2,873 |
| 63 | Tallahatchie County, MS | $82,300 | $541,287 | $832,750 | $2,880 |
| 64 | Lamb County, TX | $82,400 | $541,287 | $832,750 | $2,884 |
| 65 | Jefferson County, OK | $82,500 | $541,287 | $832,750 | $2,887 |
| 66 | Sumter County, AL | $82,600 | $541,287 | $832,750 | $2,891 |
| 67 | Webster County, GA | $82,600 | $541,287 | $832,750 | $2,891 |
| 68 | Eureka County, NV | $82,600 | $541,287 | $832,750 | $2,891 |
| 69 | Claiborne County, MS | $82,700 | $541,287 | $832,750 | $2,894 |
| 70 | Gallatin County, IL | $82,900 | $541,287 | $832,750 | $2,901 |
| 71 | Wyoming County, WV | $82,900 | $541,287 | $832,750 | $2,901 |
| 72 | Nevada County, AR | $83,300 | $541,287 | $832,750 | $2,915 |
| 73 | Covington city, VA | $83,500 | $541,287 | $832,750 | $2,922 |
| 74 | Rush County, KS | $83,600 | $541,287 | $832,750 | $2,926 |
| 75 | Harper County, KS | $83,800 | $541,287 | $832,750 | $2,933 |
| 76 | Gilmer County, WV | $83,800 | $541,287 | $832,750 | $2,933 |
| 77 | Lee County, KY | $83,900 | $541,287 | $832,750 | $2,936 |
| 78 | Mellette County, SD | $84,100 | $541,287 | $832,750 | $2,943 |
| 79 | McIntosh County, ND | $84,200 | $541,287 | $832,750 | $2,947 |
| 80 | Kusilvak Census Area, AK | $84,300 | $811,931 | $1,249,125 | $2,950 |
| 81 | Clinch County, GA | $84,400 | $541,287 | $832,750 | $2,954 |
| 82 | Pulaski County, IL | $85,100 | $541,287 | $832,750 | $2,978 |
| 83 | McCreary County, KY | $85,300 | $541,287 | $832,750 | $2,985 |
| 84 | Sioux County, ND | $85,400 | $541,287 | $832,750 | $2,989 |
| 85 | Dillon County, SC | $85,400 | $541,287 | $832,750 | $2,989 |
| 86 | Dimmit County, TX | $85,500 | $541,287 | $832,750 | $2,992 |
| 87 | McPherson County, SD | $85,600 | $541,287 | $832,750 | $2,996 |
| 88 | Mitchell County, TX | $85,800 | $541,287 | $832,750 | $3,003 |
| 89 | Hall County, TX | $86,100 | $541,287 | $832,750 | $3,013 |
| 90 | Lowndes County, AL | $86,300 | $541,287 | $832,750 | $3,020 |
| 91 | Wilkinson County, GA | $86,300 | $541,287 | $832,750 | $3,020 |
| 92 | Tensas Parish, LA | $86,300 | $541,287 | $832,750 | $3,020 |
| 93 | Swisher County, TX | $86,300 | $541,287 | $832,750 | $3,020 |
| 94 | Perry County, AL | $86,400 | $541,287 | $832,750 | $3,024 |
| 95 | Osborne County, KS | $86,400 | $541,287 | $832,750 | $3,024 |
| 96 | Martin County, KY | $86,900 | $541,287 | $832,750 | $3,041 |
| 97 | Quay County, NM | $87,200 | $541,287 | $832,750 | $3,052 |
| 98 | Wilcox County, GA | $87,600 | $541,287 | $832,750 | $3,066 |
| 99 | Clark County, KS | $87,600 | $541,287 | $832,750 | $3,066 |
| 100 | Taylor County, GA | $87,700 | $541,287 | $832,750 | $3,069 |
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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