Iowa Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 99 counties in Iowa. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in Iowa
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Adair County | $541,287 | $832,750 | $160,400 |
| 2 | Adams County | $541,287 | $832,750 | $131,600 |
| 3 | Allamakee County | $541,287 | $832,750 | $172,300 |
| 4 | Appanoose County | $541,287 | $832,750 | $124,200 |
| 5 | Audubon County | $541,287 | $832,750 | $121,900 |
| 6 | Benton County | $541,287 | $832,750 | $208,200 |
| 7 | Black Hawk County | $541,287 | $832,750 | $188,900 |
| 8 | Boone County | $541,287 | $832,750 | $212,400 |
| 9 | Bremer County | $541,287 | $832,750 | $219,600 |
| 10 | Buchanan County | $541,287 | $832,750 | $176,000 |
| 11 | Buena Vista County | $541,287 | $832,750 | $159,500 |
| 12 | Butler County | $541,287 | $832,750 | $165,400 |
| 13 | Calhoun County | $541,287 | $832,750 | $118,800 |
| 14 | Carroll County | $541,287 | $832,750 | $176,000 |
| 15 | Cass County | $541,287 | $832,750 | $150,300 |
| 16 | Cedar County | $541,287 | $832,750 | $211,300 |
| 17 | Cerro Gordo County | $541,287 | $832,750 | $166,400 |
| 18 | Cherokee County | $541,287 | $832,750 | $158,700 |
| 19 | Chickasaw County | $541,287 | $832,750 | $182,600 |
| 20 | Clarke County | $541,287 | $832,750 | $161,100 |
| 21 | Clay County | $541,287 | $832,750 | $178,600 |
| 22 | Clayton County | $541,287 | $832,750 | $168,500 |
| 23 | Clinton County | $541,287 | $832,750 | $160,600 |
| 24 | Crawford County | $541,287 | $832,750 | $153,700 |
| 25 | Dallas County | $541,287 | $832,750 | $355,600 |
| 26 | Davis County | $541,287 | $832,750 | $161,900 |
| 27 | Decatur County | $541,287 | $832,750 | $113,900 |
| 28 | Delaware County | $541,287 | $832,750 | $177,900 |
| 29 | Des Moines County | $541,287 | $832,750 | $136,500 |
| 30 | Dickinson County | $541,287 | $832,750 | $270,700 |
| 31 | Dubuque County | $541,287 | $832,750 | $237,300 |
| 32 | Emmet County | $541,287 | $832,750 | $114,100 |
| 33 | Fayette County | $541,287 | $832,750 | $136,800 |
| 34 | Floyd County | $541,287 | $832,750 | $143,500 |
| 35 | Franklin County | $541,287 | $832,750 | $124,100 |
| 36 | Fremont County | $541,287 | $832,750 | $154,400 |
| 37 | Greene County | $541,287 | $832,750 | $155,400 |
| 38 | Grundy County | $541,287 | $832,750 | $198,800 |
| 39 | Guthrie County | $541,287 | $832,750 | $180,100 |
| 40 | Hamilton County | $541,287 | $832,750 | $156,400 |
| 41 | Hancock County | $541,287 | $832,750 | $141,400 |
| 42 | Hardin County | $541,287 | $832,750 | $122,500 |
| 43 | Harrison County | $541,287 | $832,750 | $176,000 |
| 44 | Henry County | $541,287 | $832,750 | $164,300 |
| 45 | Howard County | $541,287 | $832,750 | $147,800 |
| 46 | Humboldt County | $541,287 | $832,750 | $155,800 |
| 47 | Ida County | $541,287 | $832,750 | $108,900 |
| 48 | Iowa County | $541,287 | $832,750 | $193,900 |
| 49 | Jackson County | $541,287 | $832,750 | $175,000 |
| 50 | Jasper County | $541,287 | $832,750 | $186,300 |
| 51 | Jefferson County | $541,287 | $832,750 | $163,400 |
| 52 | Johnson County | $541,287 | $832,750 | $308,600 |
| 53 | Jones County | $541,287 | $832,750 | $184,800 |
| 54 | Keokuk County | $541,287 | $832,750 | $118,700 |
| 55 | Kossuth County | $541,287 | $832,750 | $148,300 |
| 56 | Lee County | $541,287 | $832,750 | $141,400 |
| 57 | Linn County | $541,287 | $832,750 | $214,300 |
| 58 | Louisa County | $541,287 | $832,750 | $150,100 |
| 59 | Lucas County | $541,287 | $832,750 | $120,200 |
| 60 | Lyon County | $541,287 | $832,750 | $230,000 |
| 61 | Madison County | $541,287 | $832,750 | $245,100 |
| 62 | Mahaska County | $541,287 | $832,750 | $157,800 |
| 63 | Marion County | $541,287 | $832,750 | $233,000 |
| 64 | Marshall County | $541,287 | $832,750 | $145,500 |
| 65 | Mills County | $541,287 | $832,750 | $237,800 |
| 66 | Mitchell County | $541,287 | $832,750 | $175,100 |
| 67 | Monona County | $541,287 | $832,750 | $142,900 |
| 68 | Monroe County | $541,287 | $832,750 | $156,300 |
| 69 | Montgomery County | $541,287 | $832,750 | $121,400 |
| 70 | Muscatine County | $541,287 | $832,750 | $182,100 |
| 71 | O'Brien County | $541,287 | $832,750 | $173,100 |
| 72 | Osceola County | $541,287 | $832,750 | $122,600 |
| 73 | Page County | $541,287 | $832,750 | $125,300 |
| 74 | Palo Alto County | $541,287 | $832,750 | $123,200 |
| 75 | Plymouth County | $541,287 | $832,750 | $228,900 |
| 76 | Pocahontas County | $541,287 | $832,750 | $98,100 |
| 77 | Polk County | $541,287 | $832,750 | $262,100 |
| 78 | Pottawattamie County | $541,287 | $832,750 | $195,700 |
| 79 | Poweshiek County | $541,287 | $832,750 | $209,300 |
| 80 | Ringgold County | $541,287 | $832,750 | $156,200 |
| 81 | Sac County | $541,287 | $832,750 | $141,400 |
| 82 | Scott County | $541,287 | $832,750 | $222,000 |
| 83 | Shelby County | $541,287 | $832,750 | $164,000 |
| 84 | Sioux County | $541,287 | $832,750 | $250,100 |
| 85 | Story County | $541,287 | $832,750 | $258,700 |
| 86 | Tama County | $541,287 | $832,750 | $148,600 |
| 87 | Taylor County | $541,287 | $832,750 | $117,200 |
| 88 | Union County | $541,287 | $832,750 | $122,000 |
| 89 | Van Buren County | $541,287 | $832,750 | $114,600 |
| 90 | Wapello County | $541,287 | $832,750 | $125,100 |
| 91 | Warren County | $541,287 | $832,750 | $269,600 |
| 92 | Washington County | $541,287 | $832,750 | $203,900 |
| 93 | Wayne County | $541,287 | $832,750 | $111,300 |
| 94 | Webster County | $541,287 | $832,750 | $153,800 |
| 95 | Winnebago County | $541,287 | $832,750 | $135,000 |
| 96 | Winneshiek County | $541,287 | $832,750 | $259,200 |
| 97 | Woodbury County | $541,287 | $832,750 | $183,200 |
| 98 | Worth County | $541,287 | $832,750 | $145,800 |
| 99 | Wright County | $541,287 | $832,750 | $119,600 |
About Iowa's Mortgage Market
Iowa has 99 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Iowa range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using Iowa-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Iowa?
The highest 2026 FHA limit in Iowa is $541,287 for a single-family home.
What is the maximum conforming loan limit in Iowa?
The highest 2026 conforming loan limit in Iowa is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Iowa?
Iowa has 99 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.