FHA Loan Limits and USDA Eligibility in Plymouth County, Iowa

2026 FHA one-unit limit in Plymouth County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $122,800. Enter a ZIP on the maps. USDA scores the property address, not the county.

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

Plymouth County FHA Loan Limits and USDA Income

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.

ZIPFHA one-unit loan limitUSDA 1–4 person moderate income
51001$541,287$122,800
51008$541,287$122,800
51024$541,287$122,800
51028$541,287$122,800
51031$541,287$122,800 to $126,300
51038$541,287$122,800
51045$541,287$122,800
51050$541,287$122,800 to $126,300
51062$541,287$122,800

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Loan Options in Plymouth County

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Plymouth County address. Then they can match you if you qualify.

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