FHA Loan Limits and USDA Eligibility in Iowa
2026 FHA one-unit limit in Iowa is $541,287. About 92% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $142,450. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Iowa
Iowa one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for Iowa
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EligibleIneligibleUSDA ineligible boundary
Iowa FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Adair County | $541,287 | $122,800 |
| Adams County | $541,287 | $122,800 |
| Allamakee County | $541,287 | $122,800 |
| Appanoose County | $541,287 | $122,800 |
| Audubon County | $541,287 | $122,800 |
| Benton County | $541,287 | $130,100 |
| Black Hawk County | $541,287 | $122,800 |
| Boone County | $541,287 | $129,150 |
| Bremer County | $541,287 | $124,550 |
| Buchanan County | $541,287 | $122,800 |
| Buena Vista County | $541,287 | $122,800 |
| Butler County | $541,287 | $122,800 |
| Calhoun County | $541,287 | $122,800 |
| Carroll County | $541,287 | $122,800 |
| Cass County | $541,287 | $122,800 |
| Cedar County | $541,287 | $122,800 |
| Cerro Gordo County | $541,287 | $122,800 |
| Cherokee County | $541,287 | $122,800 |
| Chickasaw County | $541,287 | $122,800 |
| Clarke County | $541,287 | $122,800 |
| Clay County | $541,287 | $122,800 |
| Clayton County | $541,287 | $122,800 |
| Clinton County | $541,287 | $122,800 |
| Crawford County | $541,287 | $122,800 |
| Dallas County | $541,287 | $133,850 |
| Davis County | $541,287 | $122,800 |
| Decatur County | $541,287 | $122,800 |
| Delaware County | $541,287 | $122,800 |
| Des Moines County | $541,287 | $122,800 |
| Dickinson County | $541,287 | $126,650 |
| Dubuque County | $541,287 | $122,800 |
| Emmet County | $541,287 | $122,800 |
| Fayette County | $541,287 | $122,800 |
| Floyd County | $541,287 | $122,800 |
| Franklin County | $541,287 | $122,800 |
| Fremont County | $541,287 | $122,800 |
| Greene County | $541,287 | $122,800 |
| Grundy County | $541,287 | $122,800 |
| Guthrie County | $541,287 | $133,850 |
| Hamilton County | $541,287 | $122,800 |
| Hancock County | $541,287 | $122,800 |
| Hardin County | $541,287 | $122,800 |
| Harrison County | $541,287 | $131,100 |
| Henry County | $541,287 | $122,800 |
| Howard County | $541,287 | $122,800 |
| Humboldt County | $541,287 | $122,800 |
| Ida County | $541,287 | $122,800 |
| Iowa County | $541,287 | $122,800 |
| Jackson County | $541,287 | $122,800 |
| Jasper County | $541,287 | $122,800 |
| Jefferson County | $541,287 | $122,800 |
| Johnson County | $541,287 | $139,600 |
| Jones County | $541,287 | $122,800 |
| Keokuk County | $541,287 | $122,800 |
| Kossuth County | $541,287 | $122,800 |
| Lee County | $541,287 | $122,800 |
| Linn County | $541,287 | $122,800 |
| Louisa County | $541,287 | $122,800 |
| Lucas County | $541,287 | $122,800 |
| Lyon County | $541,287 | $122,800 |
| Madison County | $541,287 | $133,850 |
| Mahaska County | $541,287 | $122,800 |
| Marion County | $541,287 | $122,800 |
| Marshall County | $541,287 | $122,800 |
| Mills County | $541,287 | $131,100 |
| Mitchell County | $541,287 | $122,800 |
| Monona County | $541,287 | $122,800 |
| Monroe County | $541,287 | $122,800 |
| Montgomery County | $541,287 | $122,800 |
| Muscatine County | $541,287 | $122,800 |
| O'Brien County | $541,287 | $122,800 |
| Osceola County | $541,287 | $122,800 |
| Page County | $541,287 | $122,800 |
| Palo Alto County | $541,287 | $122,800 |
| Plymouth County | $541,287 | $122,800 |
| Pocahontas County | $541,287 | $122,800 |
| Polk County | $541,287 | $133,850 |
| Pottawattamie County | $541,287 | $131,100 |
| Poweshiek County | $541,287 | $122,800 |
| Ringgold County | $541,287 | $122,800 |
| Sac County | $541,287 | $122,800 |
| Scott County | $541,287 | $122,800 |
| Shelby County | $541,287 | $122,800 |
| Sioux County | $541,287 | $126,300 |
| Story County | $541,287 | $142,450 |
| Tama County | $541,287 | $122,800 |
| Taylor County | $541,287 | $122,800 |
| Union County | $541,287 | $122,800 |
| Van Buren County | $541,287 | $122,800 |
| Wapello County | $541,287 | $122,800 |
| Warren County | $541,287 | $133,850 |
| Washington County | $541,287 | $122,800 |
| Wayne County | $541,287 | $122,800 |
| Webster County | $541,287 | $122,800 |
| Winnebago County | $541,287 | $122,800 |
| Winneshiek County | $541,287 | $122,800 |
| Woodbury County | $541,287 | $122,800 |
| Worth County | $541,287 | $122,800 |
| Wright County | $541,287 | $122,800 |
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