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2025 FHA Loan Limits in Kansas

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For first-time and repeat homebuyers in Kansas, home loans insured by the Federal Housing Administration (FHA) offer unique advantages. These government-backed mortgages offer competitive interest rates and flexible qualification requirements, making homeownership more accessible to a broader range of individuals in the state.

But FHA loans come with borrowing limits. The FHA loan limit is $524,225 for single-family homes in Kansas. We’ll take a closer look at loan limits for each Kansas county and explain how to qualify for this type of home loan.

Kansas FHA loan limits by county

Kansas single-family FHA loan limits

County name	One unit	Two units	Three units	Four units	Median sales price
ALLEN	$524,225	$671,200	$811,275	$1,008,300	$111,000
ANDERSON	$524,225	$671,200	$811,275	$1,008,300	$163,000
ATCHISON	$524,225	$671,200	$811,275	$1,008,300	$168,000
BARBER	$524,225	$671,200	$811,275	$1,008,300	$93,000
BARTON	$524,225	$671,200	$811,275	$1,008,300	$154,000
BOURBON	$524,225	$671,200	$811,275	$1,008,300	$129,000
BROWN	$524,225	$671,200	$811,275	$1,008,300	$146,000
BUTLER	$524,225	$671,200	$811,275	$1,008,300	$228,000
CHASE	$524,225	$671,200	$811,275	$1,008,300	$173,000
CHAUTAUQUA	$524,225	$671,200	$811,275	$1,008,300	$78,000
CHEROKEE	$524,225	$671,200	$811,275	$1,008,300	$125,000
CHEYENNE	$524,225	$671,200	$811,275	$1,008,300	$206,000
CLARK	$524,225	$671,200	$811,275	$1,008,300	$107,000
CLAY	$524,225	$671,200	$811,275	$1,008,300	$144,000
CLOUD	$524,225	$671,200	$811,275	$1,008,300	$124,000
COFFEY	$524,225	$671,200	$811,275	$1,008,300	$179,000
COMANCHE	$524,225	$671,200	$811,275	$1,008,300	$71,000
COWLEY	$524,225	$671,200	$811,275	$1,008,300	$142,000
CRAWFORD	$524,225	$671,200	$811,275	$1,008,300	$149,000
DECATUR	$524,225	$671,200	$811,275	$1,008,300	$104,000
DICKINSON	$524,225	$671,200	$811,275	$1,008,300	$186,000
DONIPHAN	$524,225	$671,200	$811,275	$1,008,300	$246,000
DOUGLAS	$524,225	$671,200	$811,275	$1,008,300	$300,000
EDWARDS	$524,225	$671,200	$811,275	$1,008,300	$103,000
ELK	$524,225	$671,200	$811,275	$1,008,300	$78,000
ELLIS	$524,225	$671,200	$811,275	$1,008,300	$271,000
ELLSWORTH	$524,225	$671,200	$811,275	$1,008,300	$149,000
FINNEY	$524,225	$671,200	$811,275	$1,008,300	$245,000
FORD	$524,225	$671,200	$811,275	$1,008,300	$230,000
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300	$268,000
GEARY	$524,225	$671,200	$811,275	$1,008,300	$288,000
GOVE	$524,225	$671,200	$811,275	$1,008,300	$154,000
GRAHAM	$524,225	$671,200	$811,275	$1,008,300	$119,000
GRANT	$524,225	$671,200	$811,275	$1,008,300	$201,000
GRAY	$524,225	$671,200	$811,275	$1,008,300	$175,000
GREELEY	$524,225	$671,200	$811,275	$1,008,300	$129,000
GREENWOOD	$524,225	$671,200	$811,275	$1,008,300	$89,000
HAMILTON	$524,225	$671,200	$811,275	$1,008,300	$130,000
HARPER	$524,225	$671,200	$811,275	$1,008,300	$110,000
HARVEY	$524,225	$671,200	$811,275	$1,008,300	$228,000
HASKELL	$524,225	$671,200	$811,275	$1,008,300	$180,000
HODGEMAN	$524,225	$671,200	$811,275	$1,008,300	$117,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$210,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$210,000
JEWELL	$524,225	$671,200	$811,275	$1,008,300	$80,000
JOHNSON	$524,225	$671,200	$811,275	$1,008,300	$438,000
KEARNY	$524,225	$671,200	$811,275	$1,008,300	$245,000
KINGMAN	$524,225	$671,200	$811,275	$1,008,300	$103,000
KIOWA	$524,225	$671,200	$811,275	$1,008,300	$165,000
LABETTE	$524,225	$671,200	$811,275	$1,008,300	$129,000
LANE	$524,225	$671,200	$811,275	$1,008,300	$112,000
LEAVENWORTH	$524,225	$671,200	$811,275	$1,008,300	$438,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$128,000
LINN	$524,225	$671,200	$811,275	$1,008,300	$438,000
LOGAN	$524,225	$671,200	$811,275	$1,008,300	$158,000
LYON	$524,225	$671,200	$811,275	$1,008,300	$173,000
MARION	$524,225	$671,200	$811,275	$1,008,300	$220,000
MARSHALL	$524,225	$671,200	$811,275	$1,008,300	$153,000
MCPHERSON	$524,225	$671,200	$811,275	$1,008,300	$246,000
MEADE	$524,225	$671,200	$811,275	$1,008,300	$187,000
MIAMI	$524,225	$671,200	$811,275	$1,008,300	$438,000
MITCHELL	$524,225	$671,200	$811,275	$1,008,300	$137,000
MONTGOMERY	$524,225	$671,200	$811,275	$1,008,300	$123,000
MORRIS	$524,225	$671,200	$811,275	$1,008,300	$152,000
MORTON	$524,225	$671,200	$811,275	$1,008,300	$131,000
NEMAHA	$524,225	$671,200	$811,275	$1,008,300	$237,000
NEOSHO	$524,225	$671,200	$811,275	$1,008,300	$135,000
NESS	$524,225	$671,200	$811,275	$1,008,300	$110,000
NORTON	$524,225	$671,200	$811,275	$1,008,300	$122,000
OSAGE	$524,225	$671,200	$811,275	$1,008,300	$210,000
OSBORNE	$524,225	$671,200	$811,275	$1,008,300	$110,000
OTTAWA	$524,225	$671,200	$811,275	$1,008,300	$215,000
PAWNEE	$524,225	$671,200	$811,275	$1,008,300	$128,000
PHILLIPS	$524,225	$671,200	$811,275	$1,008,300	$130,000
POTTAWATOMIE	$524,225	$671,200	$811,275	$1,008,300	$288,000
PRATT	$524,225	$671,200	$811,275	$1,008,300	$151,000
RAWLINS	$524,225	$671,200	$811,275	$1,008,300	$148,000
RENO	$524,225	$671,200	$811,275	$1,008,300	$162,000
REPUBLIC	$524,225	$671,200	$811,275	$1,008,300	$97,000
RICE	$524,225	$671,200	$811,275	$1,008,300	$119,000
RILEY	$524,225	$671,200	$811,275	$1,008,300	$288,000
ROOKS	$524,225	$671,200	$811,275	$1,008,300	$120,000
RUSH	$524,225	$671,200	$811,275	$1,008,300	$101,000
RUSSELL	$524,225	$671,200	$811,275	$1,008,300	$141,000
SALINE	$524,225	$671,200	$811,275	$1,008,300	$215,000
SCOTT	$524,225	$671,200	$811,275	$1,008,300	$185,000
SEDGWICK	$524,225	$671,200	$811,275	$1,008,300	$228,000
SEWARD	$524,225	$671,200	$811,275	$1,008,300	$203,000
SHAWNEE	$524,225	$671,200	$811,275	$1,008,300	$210,000
SHERIDAN	$524,225	$671,200	$811,275	$1,008,300	$184,000
SHERMAN	$524,225	$671,200	$811,275	$1,008,300	$169,000
SMITH	$524,225	$671,200	$811,275	$1,008,300	$114,000
STAFFORD	$524,225	$671,200	$811,275	$1,008,300	$131,000
STANTON	$524,225	$671,200	$811,275	$1,008,300	$83,000
STEVENS	$524,225	$671,200	$811,275	$1,008,300	$182,000
SUMNER	$524,225	$671,200	$811,275	$1,008,300	$228,000
THOMAS	$524,225	$671,200	$811,275	$1,008,300	$156,000
TREGO	$524,225	$671,200	$811,275	$1,008,300	$156,000
WABAUNSEE	$524,225	$671,200	$811,275	$1,008,300	$210,000
WALLACE	$524,225	$671,200	$811,275	$1,008,300	$131,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$144,000
WICHITA	$524,225	$671,200	$811,275	$1,008,300	$108,000
WILSON	$524,225	$671,200	$811,275	$1,008,300	$125,000
WOODSON	$524,225	$671,200	$811,275	$1,008,300	$95,000
WYANDOTTE	$524,225	$671,200	$811,275	$1,008,300	$438,000

How are FHA loan limits determined?

FHA loan limits change annually because they fluctuate in line with local home prices and are based on a percentage of the conforming loan limits set by the Federal Housing Finance Agency (FHFA).

The lowest FHA loan limit is called the “floor.” It is set at 65% of the 2025 conforming loan limit of $806,500. That makes $524,225 the maximum amount of an FHA loan for a single-family home in all counties in Kansas.

In contrast, the highest FHA loan limit is called the “ceiling.” At 150% of the conforming loan limit, the most you can borrow is $1,814,625 for a single-family home in higher-cost areas, including Alaska, Guam, Hawaii and the Virgin Islands.

How to qualify for an FHA loan in Kansas

FHA loans are designed to make homeownership accessible to a wide range of borrowers. By offering more attainable loan eligibility requirements, these loans are designed for those who may not qualify for conventional mortgages. This flexibility extends to borrowers with lower credit scores or limited down payment savings.

Here are the requirements for an FHA home loan:

Minimum credit score of 500: For FHA loans, the minimum credit score needed to buy a house is 500.
Minimum down payment of 3.5%: Homebuyers with credit scores below 580 must provide a down payment of at least 10%, while those with higher scores need a 3.5% down payment.
Maximum debt-to-income ratio of 43%: Borrowers must have a debt-to-income (DTI) ratio of 43% or lower to show they can afford the home loan.
Home appraisal: Completion of appraisal of the property to ensure it meets FHA appraisal guidelines.
Mortgage insurance: Pay upfront and annual FHA mortgage insurance. Upfront mortgage insurance is equal to 1.75% of the loan amount and is paid at closing, while the annual mortgage insurance ranges from 0.15% to 0.75% of the loan amount and is usually tacked onto the monthly payment.
Occupancy: The home must serve as a primary residence for a minimum of 12 months.
Mortgage cash reserves: A mortgage cash reserve to cover one to three months of payments, based on the number of units.

Buying a multifamily property with an FHA loan

If you choose an FHA loan, you also have the option to buy a multifamily home, a property with two to four units. Similar to purchasing a single-family home, this requires a minimum credit score of 500, a maximum debt-to-income ratio of 43% and occupancy of one of the units as the primary residence for at least 12 months. Additionally, homebuyers must get the home appraised, pay for two types of mortgage insurance and have a certain amount in cash reserves.

Credit score of at least 500: You’ll need to put down 10% or more with a score of 500 to 579. Those with scores of 580 or higher can put down just 3.5%.
Minimum 3.5% down payment: If your credit score is less than 580, you must put down 10% or more.
Debt-to-income ratio of 43% or less: Lenders will divide your total debt by your pretax income to get a sense of your repayment ability. To get an FHA loan, that ratio should be at or below 43%. If your ratio is higher, you can still qualify, but you’ll need a strong credit score and cash reserves.
Live in one of the units: The property should have two to four residential units, or, if it’s a mixed-use property, 51% of the square footage must be of residential use. You will need to live in one of the units, sometimes called house hacking, for at least one year to qualify for the loan. The remaining units can be rented out.