Iowa 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Iowa

Iowa has 99 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Adair County to a high of $1,008,300 for a 4-bedroom unit in Adair County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Iowa's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($1,008,300) †

Highest Loan Limit ($1,008,300)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Iowa (99 counties)

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

How to qualify for an FHA Loan in Iowa?

To qualify for an FHA loan in Iowa, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in Iowa is $524,225 for a single-family home and $1,008,300 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Iowa. Additional restricts apply. Click on the Iowa map above or the table below to see loan limits in your area.

Iowa 2025 FHA Loan Limits

Loan Limits in Iowa

Loan Limits by County in Iowa (99 counties)

How to qualify for an FHA Loan in Iowa?

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