Iowa loan limits 2026 by county
In 2026, every one of the 99 counties in Iowa has the $832,750 baseline conforming loan limit for a one-unit home. Every Iowa county has the $541,287 FHA floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Iowa county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adair County | $832,750 | $541,287 | Non-Metro |
| Adams County | $832,750 | $541,287 | Non-Metro |
| Allamakee County | $832,750 | $541,287 | Non-Metro |
| Appanoose County | $832,750 | $541,287 | Non-Metro |
| Audubon County | $832,750 | $541,287 | Non-Metro |
| Benton County | $832,750 | $541,287 | Cedar Rapids, IA |
| Black Hawk County | $832,750 | $541,287 | Waterloo-Cedar Falls, IA |
| Boone County | $832,750 | $541,287 | Ames, IA |
| Bremer County | $832,750 | $541,287 | Waterloo-Cedar Falls, IA |
| Buchanan County | $832,750 | $541,287 | Non-Metro |
| Buena Vista County | $832,750 | $541,287 | Storm Lake, IA |
| Butler County | $832,750 | $541,287 | Non-Metro |
| Calhoun County | $832,750 | $541,287 | Non-Metro |
| Carroll County | $832,750 | $541,287 | Carroll, IA |
| Cass County | $832,750 | $541,287 | Non-Metro |
| Cedar County | $832,750 | $541,287 | Non-Metro |
| Cerro Gordo County | $832,750 | $541,287 | Mason City, IA |
| Cherokee County | $832,750 | $541,287 | Non-Metro |
| Chickasaw County | $832,750 | $541,287 | Non-Metro |
| Clarke County | $832,750 | $541,287 | Non-Metro |
| Clay County | $832,750 | $541,287 | Spencer, IA |
| Clayton County | $832,750 | $541,287 | Non-Metro |
| Clinton County | $832,750 | $541,287 | Clinton, IA |
| Crawford County | $832,750 | $541,287 | Non-Metro |
| Dallas County | $832,750 | $541,287 | Des Moines-West Des Moines, IA |
| Davis County | $832,750 | $541,287 | Non-Metro |
| Decatur County | $832,750 | $541,287 | Non-Metro |
| Delaware County | $832,750 | $541,287 | Non-Metro |
| Des Moines County | $832,750 | $541,287 | Burlington, IA-IL |
| Dickinson County | $832,750 | $541,287 | Spirit Lake, IA |
| Dubuque County | $832,750 | $541,287 | Dubuque, IA |
| Emmet County | $832,750 | $541,287 | Non-Metro |
| Fayette County | $832,750 | $541,287 | Non-Metro |
| Floyd County | $832,750 | $541,287 | Non-Metro |
| Franklin County | $832,750 | $541,287 | Non-Metro |
| Fremont County | $832,750 | $541,287 | Non-Metro |
| Greene County | $832,750 | $541,287 | Non-Metro |
| Grundy County | $832,750 | $541,287 | Waterloo-Cedar Falls, IA |
| Guthrie County | $832,750 | $541,287 | Des Moines-West Des Moines, IA |
| Hamilton County | $832,750 | $541,287 | Non-Metro |
| Hancock County | $832,750 | $541,287 | Non-Metro |
| Hardin County | $832,750 | $541,287 | Non-Metro |
| Harrison County | $832,750 | $541,287 | Omaha, NE-IA |
| Henry County | $832,750 | $541,287 | Non-Metro |
| Howard County | $832,750 | $541,287 | Non-Metro |
| Humboldt County | $832,750 | $541,287 | Non-Metro |
| Ida County | $832,750 | $541,287 | Non-Metro |
| Iowa County | $832,750 | $541,287 | Non-Metro |
| Jackson County | $832,750 | $541,287 | Non-Metro |
| Jasper County | $832,750 | $541,287 | Des Moines-West Des Moines, IA |
| Jefferson County | $832,750 | $541,287 | Non-Metro |
| Johnson County | $832,750 | $541,287 | Iowa City, IA |
| Jones County | $832,750 | $541,287 | Cedar Rapids, IA |
| Keokuk County | $832,750 | $541,287 | Non-Metro |
| Kossuth County | $832,750 | $541,287 | Non-Metro |
| Lee County | $832,750 | $541,287 | Fort Madison, IA |
| Linn County | $832,750 | $541,287 | Cedar Rapids, IA |
| Louisa County | $832,750 | $541,287 | Non-Metro |
| Lucas County | $832,750 | $541,287 | Non-Metro |
| Lyon County | $832,750 | $541,287 | Non-Metro |
| Madison County | $832,750 | $541,287 | Des Moines-West Des Moines, IA |
| Mahaska County | $832,750 | $541,287 | Oskaloosa, IA |
| Marion County | $832,750 | $541,287 | Pella, IA |
| Marshall County | $832,750 | $541,287 | Marshalltown, IA |
| Mills County | $832,750 | $541,287 | Omaha, NE-IA |
| Mitchell County | $832,750 | $541,287 | Non-Metro |
| Monona County | $832,750 | $541,287 | Non-Metro |
| Monroe County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $832,750 | $541,287 | Non-Metro |
| Muscatine County | $832,750 | $541,287 | Muscatine, IA |
| O'Brien County | $832,750 | $541,287 | Non-Metro |
| Osceola County | $832,750 | $541,287 | Non-Metro |
| Page County | $832,750 | $541,287 | Non-Metro |
| Palo Alto County | $832,750 | $541,287 | Non-Metro |
| Plymouth County | $832,750 | $541,287 | Le Mars, IA |
| Pocahontas County | $832,750 | $541,287 | Non-Metro |
| Polk County | $832,750 | $541,287 | Des Moines-West Des Moines, IA |
| Pottawattamie County | $832,750 | $541,287 | Omaha, NE-IA |
| Poweshiek County | $832,750 | $541,287 | Non-Metro |
| Ringgold County | $832,750 | $541,287 | Non-Metro |
| Sac County | $832,750 | $541,287 | Non-Metro |
| Scott County | $832,750 | $541,287 | Davenport-Moline-Rock Island, IA-IL |
| Shelby County | $832,750 | $541,287 | Non-Metro |
| Sioux County | $832,750 | $541,287 | Non-Metro |
| Story County | $832,750 | $541,287 | Ames, IA |
| Tama County | $832,750 | $541,287 | Non-Metro |
| Taylor County | $832,750 | $541,287 | Non-Metro |
| Union County | $832,750 | $541,287 | Non-Metro |
| Van Buren County | $832,750 | $541,287 | Non-Metro |
| Wapello County | $832,750 | $541,287 | Ottumwa, IA |
| Warren County | $832,750 | $541,287 | Des Moines-West Des Moines, IA |
| Washington County | $832,750 | $541,287 | Iowa City, IA |
| Wayne County | $832,750 | $541,287 | Non-Metro |
| Webster County | $832,750 | $541,287 | Fort Dodge, IA |
| Winnebago County | $832,750 | $541,287 | Non-Metro |
| Winneshiek County | $832,750 | $541,287 | Non-Metro |
| Woodbury County | $832,750 | $541,287 | Sioux City, IA-NE-SD |
| Worth County | $832,750 | $541,287 | Mason City, IA |
| Wright County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
FHA, VA and conforming limits in Iowa
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Iowa fair market rentsHUD Fair Market Rents for every Iowa county, studios to 4 bedrooms.
- Iowa property tax ratesEffective property tax rate for every Iowa county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Iowa loan limits
What are the FHA loan limits in Iowa for 2026?
$541,287 to $541,287 for a one-unit home, depending on the county. Every county is at the national floor of $541,287. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Iowa for 2026?
$832,750 for a one-unit home in every Iowa county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Iowa?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Iowa for 2026: 25 percent of that limit minus the entitlement already used.
Which Iowa counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Adair County at $541,287. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/iowa. Not lending advice.