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Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Current FHA Mortgage Rates in IA - Iowa FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Iowa Mortgages

2024 FHA Loan Limits for Iowa

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Iowa are below.

County Name One Family Two Family Three Family Four Family
Adair One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Adams One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Allamakee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Appanoose One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Audubon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Benton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Black Hawk One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Boone One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bremer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Buchanan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Buena Vista One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Butler One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Calhoun One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Carroll One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cass One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cedar One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cerro Gordo One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cherokee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Chickasaw One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clarke One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clay One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clayton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clinton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Crawford One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dallas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Davis One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Decatur One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Delaware One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Des Moines One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dickinson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dubuque One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Emmet One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fayette One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Floyd One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Franklin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fremont One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Greene One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grundy One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Guthrie One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hamilton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hancock One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hardin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Harrison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Henry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Howard One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Humboldt One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ida One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Iowa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jasper One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jefferson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Johnson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jones One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Keokuk One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kossuth One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Linn One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Louisa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lucas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lyon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Madison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mahaska One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marion One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marshall One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mills One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mitchell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Monona One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Monroe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Montgomery One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Muscatine One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
O'brien One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Osceola One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Page One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Palo Alto One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Plymouth One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pocahontas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Polk One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pottawattamie One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Poweshiek One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ringgold One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sac One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Scott One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Shelby One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sioux One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Story One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tama One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Taylor One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Union One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Van Buren One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wapello One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Warren One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wayne One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Webster One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Winnebago One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Winneshiek One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Woodbury One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Worth One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wright One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
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