Kansas loan limits 2026 by county
In 2026, every one of the 105 counties in Kansas has the $832,750 baseline conforming loan limit for a one-unit home. Every Kansas 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 Kansas county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Allen County | $832,750 | $541,287 | Non-Metro |
| Anderson County | $832,750 | $541,287 | Non-Metro |
| Atchison County | $832,750 | $541,287 | Atchison, KS |
| Barber County | $832,750 | $541,287 | Non-Metro |
| Barton County | $832,750 | $541,287 | Great Bend, KS |
| Bourbon County | $832,750 | $541,287 | Non-Metro |
| Brown County | $832,750 | $541,287 | Non-Metro |
| Butler County | $832,750 | $541,287 | Wichita, KS |
| Chase County | $832,750 | $541,287 | Emporia, KS |
| Chautauqua County | $832,750 | $541,287 | Non-Metro |
| Cherokee County | $832,750 | $541,287 | Joplin, MO-KS |
| Cheyenne County | $832,750 | $541,287 | Non-Metro |
| Clark County | $832,750 | $541,287 | Non-Metro |
| Clay County | $832,750 | $541,287 | Non-Metro |
| Cloud County | $832,750 | $541,287 | Non-Metro |
| Coffey County | $832,750 | $541,287 | Non-Metro |
| Comanche County | $832,750 | $541,287 | Non-Metro |
| Cowley County | $832,750 | $541,287 | Arkansas City-Winfield, KS |
| Crawford County | $832,750 | $541,287 | Pittsburg, KS |
| Decatur County | $832,750 | $541,287 | Non-Metro |
| Dickinson County | $832,750 | $541,287 | Non-Metro |
| Doniphan County | $832,750 | $541,287 | St. Joseph, MO-KS |
| Douglas County | $832,750 | $541,287 | Lawrence, KS |
| Edwards County | $832,750 | $541,287 | Non-Metro |
| Elk County | $832,750 | $541,287 | Non-Metro |
| Ellis County | $832,750 | $541,287 | Hays, KS |
| Ellsworth County | $832,750 | $541,287 | Non-Metro |
| Finney County | $832,750 | $541,287 | Garden City, KS |
| Ford County | $832,750 | $541,287 | Dodge City, KS |
| Franklin County | $832,750 | $541,287 | Ottawa, KS |
| Geary County | $832,750 | $541,287 | Manhattan, KS |
| Gove County | $832,750 | $541,287 | Non-Metro |
| Graham County | $832,750 | $541,287 | Non-Metro |
| Grant County | $832,750 | $541,287 | Non-Metro |
| Gray County | $832,750 | $541,287 | Non-Metro |
| Greeley County | $832,750 | $541,287 | Non-Metro |
| Greenwood County | $832,750 | $541,287 | Non-Metro |
| Hamilton County | $832,750 | $541,287 | Non-Metro |
| Harper County | $832,750 | $541,287 | Non-Metro |
| Harvey County | $832,750 | $541,287 | Wichita, KS |
| Haskell County | $832,750 | $541,287 | Non-Metro |
| Hodgeman County | $832,750 | $541,287 | Non-Metro |
| Jackson County | $832,750 | $541,287 | Topeka, KS |
| Jefferson County | $832,750 | $541,287 | Topeka, KS |
| Jewell County | $832,750 | $541,287 | Non-Metro |
| Johnson County | $832,750 | $541,287 | Kansas City, MO-KS |
| Kearny County | $832,750 | $541,287 | Non-Metro |
| Kingman County | $832,750 | $541,287 | Non-Metro |
| Kiowa County | $832,750 | $541,287 | Non-Metro |
| Labette County | $832,750 | $541,287 | Non-Metro |
| Lane County | $832,750 | $541,287 | Non-Metro |
| Leavenworth County | $832,750 | $541,287 | Kansas City, MO-KS |
| Lincoln County | $832,750 | $541,287 | Non-Metro |
| Linn County | $832,750 | $541,287 | Kansas City, MO-KS |
| Logan County | $832,750 | $541,287 | Non-Metro |
| Lyon County | $832,750 | $541,287 | Emporia, KS |
| Marion County | $832,750 | $541,287 | Non-Metro |
| Marshall County | $832,750 | $541,287 | Non-Metro |
| McPherson County | $832,750 | $541,287 | Mcpherson, KS |
| Meade County | $832,750 | $541,287 | Non-Metro |
| Miami County | $832,750 | $541,287 | Kansas City, MO-KS |
| Mitchell County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $832,750 | $541,287 | Non-Metro |
| Morris County | $832,750 | $541,287 | Non-Metro |
| Morton County | $832,750 | $541,287 | Non-Metro |
| Nemaha County | $832,750 | $541,287 | Non-Metro |
| Neosho County | $832,750 | $541,287 | Non-Metro |
| Ness County | $832,750 | $541,287 | Non-Metro |
| Norton County | $832,750 | $541,287 | Non-Metro |
| Osage County | $832,750 | $541,287 | Topeka, KS |
| Osborne County | $832,750 | $541,287 | Non-Metro |
| Ottawa County | $832,750 | $541,287 | Salina, KS |
| Pawnee County | $832,750 | $541,287 | Non-Metro |
| Phillips County | $832,750 | $541,287 | Non-Metro |
| Pottawatomie County | $832,750 | $541,287 | Manhattan, KS |
| Pratt County | $832,750 | $541,287 | Non-Metro |
| Rawlins County | $832,750 | $541,287 | Non-Metro |
| Reno County | $832,750 | $541,287 | Hutchinson, KS |
| Republic County | $832,750 | $541,287 | Non-Metro |
| Rice County | $832,750 | $541,287 | Non-Metro |
| Riley County | $832,750 | $541,287 | Manhattan, KS |
| Rooks County | $832,750 | $541,287 | Non-Metro |
| Rush County | $832,750 | $541,287 | Non-Metro |
| Russell County | $832,750 | $541,287 | Non-Metro |
| Saline County | $832,750 | $541,287 | Salina, KS |
| Scott County | $832,750 | $541,287 | Non-Metro |
| Sedgwick County | $832,750 | $541,287 | Wichita, KS |
| Seward County | $832,750 | $541,287 | Liberal, KS |
| Shawnee County | $832,750 | $541,287 | Topeka, KS |
| Sheridan County | $832,750 | $541,287 | Non-Metro |
| Sherman County | $832,750 | $541,287 | Non-Metro |
| Smith County | $832,750 | $541,287 | Non-Metro |
| Stafford County | $832,750 | $541,287 | Non-Metro |
| Stanton County | $832,750 | $541,287 | Non-Metro |
| Stevens County | $832,750 | $541,287 | Non-Metro |
| Sumner County | $832,750 | $541,287 | Wichita, KS |
| Thomas County | $832,750 | $541,287 | Non-Metro |
| Trego County | $832,750 | $541,287 | Non-Metro |
| Wabaunsee County | $832,750 | $541,287 | Topeka, KS |
| Wallace County | $832,750 | $541,287 | Non-Metro |
| Washington County | $832,750 | $541,287 | Non-Metro |
| Wichita County | $832,750 | $541,287 | Non-Metro |
| Wilson County | $832,750 | $541,287 | Non-Metro |
| Woodson County | $832,750 | $541,287 | Non-Metro |
| Wyandotte County | $832,750 | $541,287 | Kansas City, MO-KS |
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 Kansas
- 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.
- Kansas fair market rentsHUD Fair Market Rents for every Kansas county, studios to 4 bedrooms.
- Kansas property tax ratesEffective property tax rate for every Kansas 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 Kansas loan limits
What are the FHA loan limits in Kansas 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 Kansas for 2026?
$832,750 for a one-unit home in every Kansas county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Kansas?
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 Kansas for 2026: 25 percent of that limit minus the entitlement already used.
Which Kansas counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Allen 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/kansas. Not lending advice.