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2025 FHA Loan Limits in Wisconsin

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If you have limited down payment savings or damaged credit, a Federal Housing Administration (FHA) loan could be more accessible to you than a conventional mortgage. But FHA loans come with borrowing limits that vary by county. So you’ll need to check your local area’s limits to understand what you can borrow.

FHA loan amounts in most Wisconsin counties are capped at $524,225 for a single-family home to $1,008,300 for a multifamily home with four units. However, buyers in Pierce and St. Croix counties may qualify for FHA loans at a slightly higher limit of $529,000 for a single-family home to $1,017,300 for a four-unit multifamily property.

Wisconsin FHA loan limits by county

Wisconsin single-family FHA loan limits

County name	One unit	Two units	Three units	Four units	Median sales price
ADAMS	$524,225	$671,200	$811,275	$1,008,300	$100,000
ASHLAND	$524,225	$671,200	$811,275	$1,008,300	$141,000
BARRON	$524,225	$671,200	$811,275	$1,008,300	$200,000
BAYFIELD	$524,225	$671,200	$811,275	$1,008,300	$150,000
BROWN	$524,225	$671,200	$811,275	$1,008,300	$278,000
BUFFALO	$524,225	$671,200	$811,275	$1,008,300	$169,000
BURNETT	$524,225	$671,200	$811,275	$1,008,300	$165,000
CALUMET	$524,225	$671,200	$811,275	$1,008,300	$280,000
CHIPPEWA	$524,225	$671,200	$811,275	$1,008,300	$257,000
CLARK	$524,225	$671,200	$811,275	$1,008,300	$147,000
COLUMBIA	$524,225	$671,200	$811,275	$1,008,300	$430,000
CRAWFORD	$524,225	$671,200	$811,275	$1,008,300	$131,000
DANE	$524,225	$671,200	$811,275	$1,008,300	$430,000
DODGE	$524,225	$671,200	$811,275	$1,008,300	$239,000
DOOR	$524,225	$671,200	$811,275	$1,008,300	$280,000
DOUGLAS	$524,225	$671,200	$811,275	$1,008,300	$220,000
DUNN	$524,225	$671,200	$811,275	$1,008,300	$215,000
EAU CLAIRE	$524,225	$671,200	$811,275	$1,008,300	$257,000
FLORENCE	$524,225	$671,200	$811,275	$1,008,300	$137,000
FOND DU LAC	$524,225	$671,200	$811,275	$1,008,300	$210,000
FOREST	$524,225	$671,200	$811,275	$1,008,300	$119,000
GRANT	$524,225	$671,200	$811,275	$1,008,300	$161,000
GREEN	$524,225	$671,200	$811,275	$1,008,300	$430,000
GREEN LAKE	$524,225	$671,200	$811,275	$1,008,300	$184,000
IOWA	$524,225	$671,200	$811,275	$1,008,300	$430,000
IRON	$524,225	$671,200	$811,275	$1,008,300	$117,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$150,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$285,000
JUNEAU	$524,225	$671,200	$811,275	$1,008,300	$130,000
KENOSHA	$524,225	$671,200	$811,275	$1,008,300	$441,000
KEWAUNEE	$524,225	$671,200	$811,275	$1,008,300	$278,000
LA CROSSE	$524,225	$671,200	$811,275	$1,008,300	$270,000
LAFAYETTE	$524,225	$671,200	$811,275	$1,008,300	$160,000
LANGLADE	$524,225	$671,200	$811,275	$1,008,300	$111,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$205,000
MANITOWOC	$524,225	$671,200	$811,275	$1,008,300	$182,000
MARATHON	$524,225	$671,200	$811,275	$1,008,300	$205,000
MARINETTE	$524,225	$671,200	$811,275	$1,008,300	$128,000
MARQUETTE	$524,225	$671,200	$811,275	$1,008,300	$170,000
MENOMINEE	$524,225	$671,200	$811,275	$1,008,300	$226,000
MILWAUKEE	$524,225	$671,200	$811,275	$1,008,300	$430,000
MONROE	$524,225	$671,200	$811,275	$1,008,300	$200,000
OCONTO	$524,225	$671,200	$811,275	$1,008,300	$278,000
ONEIDA	$524,225	$671,200	$811,275	$1,008,300	$164,000
OUTAGAMIE	$524,225	$671,200	$811,275	$1,008,300	$280,000
OZAUKEE	$524,225	$671,200	$811,275	$1,008,300	$430,000
PEPIN	$524,225	$671,200	$811,275	$1,008,300	$180,000
PIERCE	$529,000	$677,200	$818,600	$1,017,300	$460,000
POLK	$524,225	$671,200	$811,275	$1,008,300	$230,000
PORTAGE	$524,225	$671,200	$811,275	$1,008,300	$237,000
PRICE	$524,225	$671,200	$811,275	$1,008,300	$118,000
RACINE	$524,225	$671,200	$811,275	$1,008,300	$240,000
RICHLAND	$524,225	$671,200	$811,275	$1,008,300	$157,000
ROCK	$524,225	$671,200	$811,275	$1,008,300	$225,000
RUSK	$524,225	$671,200	$811,275	$1,008,300	$120,000
SAUK	$524,225	$671,200	$811,275	$1,008,300	$250,000
SAWYER	$524,225	$671,200	$811,275	$1,008,300	$164,000
SHAWANO	$524,225	$671,200	$811,275	$1,008,300	$226,000
SHEBOYGAN	$524,225	$671,200	$811,275	$1,008,300	$245,000
ST. CROIX	$529,000	$677,200	$818,600	$1,017,300	$460,000
TAYLOR	$524,225	$671,200	$811,275	$1,008,300	$125,000
TREMPEALEAU	$524,225	$671,200	$811,275	$1,008,300	$194,000
VERNON	$524,225	$671,200	$811,275	$1,008,300	$175,000
VILAS	$524,225	$671,200	$811,275	$1,008,300	$212,000
WALWORTH	$524,225	$671,200	$811,275	$1,008,300	$325,000
WASHBURN	$524,225	$671,200	$811,275	$1,008,300	$170,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$430,000
WAUKESHA	$524,225	$671,200	$811,275	$1,008,300	$430,000
WAUPACA	$524,225	$671,200	$811,275	$1,008,300	$165,000
WAUSHARA	$524,225	$671,200	$811,275	$1,008,300	$432,000
WINNEBAGO	$524,225	$671,200	$811,275	$1,008,300	$235,000
WOOD	$524,225	$671,200	$811,275	$1,008,300	$165,000

How are FHA loan limits determined?

The FHA sets annual loan limits based on a formula outlined in the National Housing Act (NHA). Every region has certain loan limits, depending on whether the county or metropolitan statistical area (MSA) has been designated by the FHA as a low-cost area, a high-cost area or a special exception. Home building costs in some places, such as Hawaii and Alaska, tend to be higher than in other regions. So homebuyers in those areas are granted a special exception by the FHA that allows for a larger loan limit.

By law, the FHA must update a region’s loan limits every year according to recent home sale prices and conforming loan limits for conventional mortgages backed by the government-sponsored enterprises Fannie Mae and Freddie Mac.

For 2025, the FHA recently increased the “floor” for single-family home loans in low-cost areas to $524,225 (up from $498,257 in 2024). In other words, if you buy a home in a region considered to be low-cost, then that will be your loan maximum. The FHA also boosted the loan amount “ceiling” for single-family homes in what FHA considers to be high-cost areas to $1,209,750 (up from a previous high of $1,149,825).

How to qualify for an FHA loan in Wisconsin

FHA loans are designed to be easier to qualify for than conventional loans. The minimum required credit score for an FHA loan is lower than what many loans allow. The minimum required down payment is also below what many homebuyers pay.

To qualify for an FHA loan in your area, you’ll need:

A minimum credit score of 500 to 580. While 500 is the minimum required credit score, you’ll need a credit score of at least 580 if your down payment is less than 10%. Alternatively, you may still qualify for an FHA loan if you have little to no credit history, but a record of on-time bill payments.
A minimum down payment of 3.5% to 10%. If your credit score is 580 or higher, you can put down as little 3.5% of a home’s purchase price. But if your credit score is lower, then you’ll need to make a down payment of at least 10% to qualify.
A maximum 43% DTI ratio. FHA guidelines set the maximum debt-to-income (DTI) ratio (the sum of your monthly debt payments divided by your monthly pretax income) at 43%. However, a higher ratio may be allowed in some cases.
Steady employment and income. FHA loans don’t have income requirements; however, lenders will verify you have at least two years of job history and evidence of stable recurring income.
Mortgage insurance. FHA loans require an upfront FHA mortgage insurance premium (UFMIP) of 1.75% of the mortgage amount, typically financed with the loan amount. Additionally, you’ll pay an annual mortgage insurance premium (MIP) of 0.15% to 0.75% of the loan amount. You’ll pay this fee in your monthly mortgage payment.
Occupancy: You must live in the home as your primary residence for at least one year.
Home appraisal. Any home financed with an FHA loan must undergo a home appraisal to verify the value and confirm it meets the FHA’s property standards.

Buying a multifamily property with an FHA loan

If you’d like to buy a property that will help you earn rental income, or if you’re considering co-buying a home with friends or family, you can also use an FHA loan to buy a multifamily home. You may even qualify for an FHA loan for a multifamily property with as little as 3.5% down. However, be aware the loans are limited to properties with a maximum of four units.

To qualify for an FHA loan for a multifamily home, you’ll need to meet the following requirements:

A minimum credit score of 500 to 580.
A 3.5% to 10% down payment.
One of the units in the home must be your primary residence.
You must have a certain amount of cash reserves on hand if you’re buying a three- or four-unit property.