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Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Current FHA Mortgage Rates in IA - Iowa FHA Mortgage

Iowa Mortgages

2025 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 2025 FHA loan limits for each county in Iowa are below.

Select County
County Name One Family Two Family Three Family Four Family
Adair One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Adams One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Allamakee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Appanoose One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Audubon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Benton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Black Hawk One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Boone One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bremer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Buchanan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Buena Vista One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Butler One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Calhoun One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carroll One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cass One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cedar One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cerro Gordo One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cherokee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chickasaw One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clarke One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clayton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clinton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Crawford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dallas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Davis One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Decatur One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Delaware One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Des Moines One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dickinson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dubuque One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Emmet One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fayette One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Floyd One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fremont One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Greene One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grundy One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Guthrie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hamilton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hancock One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hardin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Harrison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Henry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Howard One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Humboldt One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ida One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Iowa One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jasper One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Johnson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jones One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Keokuk One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kossuth One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Linn One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Louisa One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lucas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lyon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Madison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mahaska One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marshall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mills One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mitchell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Monona One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Monroe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Montgomery One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Muscatine One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
O'brien One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Osceola One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Page One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Palo Alto One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Plymouth One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pocahontas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Polk One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pottawattamie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Poweshiek One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ringgold One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sac One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Scott One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Shelby One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sioux One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Story One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tama One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Taylor One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Union One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Van Buren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wapello One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Warren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wayne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Webster One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Winnebago One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Winneshiek One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Woodbury One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Worth One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wright One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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