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2025 FHA Loan Limits in Wyoming

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Loans backed by the Federal Housing Administration (FHA) can be easier to qualify for than conventional loans for some borrowers — and they can also help finance the purchase of multifamily homes. Each year, the FHA updates the limits that apply to these loans based on the local median sales price of homes in the same county. In Wyoming, the 2025 FHA loan limit for single-family homes is $524,225 everywhere except for Teton County, where it’s $1,209,750.

Read on to learn more about how these limits are calculated, what you need to know about qualifying for an FHA loan and our top picks for FHA loan lenders in Wyoming.

Wyoming FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
ALBANY	$524,225	$671,200	$811,275	$1,008,300	$366,000
BIG HORN	$524,225	$671,200	$811,275	$1,008,300	$240,000
CAMPBELL	$524,225	$671,200	$811,275	$1,008,300	$313,000
CARBON	$524,225	$671,200	$811,275	$1,008,300	$200,000
CONVERSE	$524,225	$671,200	$811,275	$1,008,300	$288,000
CROOK	$524,225	$671,200	$811,275	$1,008,300	$313,000
FREMONT	$524,225	$671,200	$811,275	$1,008,300	$266,000
GOSHEN	$524,225	$671,200	$811,275	$1,008,300	$230,000
HOT SPRINGS	$524,225	$671,200	$811,275	$1,008,300	$258,000
JOHNSON	$524,225	$671,200	$811,275	$1,008,300	$328,000
LARAMIE	$524,225	$671,200	$811,275	$1,008,300	$347,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$363,000
NATRONA	$524,225	$671,200	$811,275	$1,008,300	$278,000
NIOBRARA	$524,225	$671,200	$811,275	$1,008,300	$216,000
PARK	$524,225	$671,200	$811,275	$1,008,300	$345,000
PLATTE	$524,225	$671,200	$811,275	$1,008,300	$234,000
SHERIDAN	$524,225	$671,200	$811,275	$1,008,300	$378,000
SUBLETTE	$524,225	$671,200	$811,275	$1,008,300	$320,000
SWEETWATER	$524,225	$671,200	$811,275	$1,008,300	$269,000
TETON	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,800,000
UINTA	$524,225	$671,200	$811,275	$1,008,300	$273,000
WASHAKIE	$524,225	$671,200	$811,275	$1,008,300	$228,000
WESTON	$524,225	$671,200	$811,275	$1,008,300	$313,000

How are FHA loan limits determined?

While FHA loans are a powerful tool for would-be borrowers, they do come with limits. The FHA updates these limits based on guidelines laid out in the National Housing Act (NHA). The loan limits are based on the median home sales price in the local county.

In 2025, the FHA loan limit floor — which applies in most parts of the country and every Wyoming county except Teton — is $524,225. That’s 65% of the 2025 conforming loan limit of $806,500. (The conforming loan limit determines how much lenders can offer qualified borrowers in a conventional mortgage and that can still be purchased by Freddie Mac and Fannie Mae.)

The FHA loan limit ceiling for 2025, which applies in more expensive parts of the country (including Teton County, Wyoming), is $1,209,750 — which amounts to 150% of the conforming loan limit. These limits apply specifically to single-family houses; we’ll get into the limits for multifamily properties in a moment.

How to qualify for an FHA loan in Wyoming

Although FHA loans can be easier to qualify for than conventional mortgages, they do still have some eligibility requirements. While the required credit score for an FHA loan is substantially less than it is for most conventional mortgages, there is still a minimum — and it will also determine your required down payment.

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

Minimum 500 credit score: With a credit score of 500, you’ll be required to make a 10% down payment. If you have a credit score of 580 or above, you’ll only need to put down 3.5% of the loan amount.
Minimum 3.5% down payment: As mentioned, if your credit score is in the range of 500 to 579, you may still be able to qualify for an FHA loan, but your down payment will need to be 10% of the home’s purchase price. Those borrowers with a credit score of 580 or higher can put down a smaller payment of 3.5%.
Maximum 43% debt-to-income (DTI) ratio: Your DTI ratio, offers lenders a snapshot view of how much your monthly income is already tied up in loan payments. Most lenders look for a DTI of 35% or less when qualifying applicants, but for an FHA loan, your DTI can be as high as 43% if you meet other qualification criteria.
Mortgage insurance: You’ll be responsible for paying mortgage insurance on your new FHA loan, which includes an upfront premium of 1.75% of the loan amount that’s typically financed with the mortgage principal and an annual insurance premium of 0.15% to 0.75% of the loan amount that’s spread across your monthly mortgage payments.
Primary residence: The home you purchase with an FHA loan must be your primary residence for at least one year.
Home appraisal: You must foot the bill for the FHA appraisal the lender will likely require to ensure your home meets FHA property standards.

If there’s one thing you can expect when it comes to buying a home, it’s that there are always unexpected costs. That’s just one reason it’s a good idea to have cash reserves on hand when getting ready to become a homeowner. (They also make you into a more qualified borrower.)

Buying a multifamily property with an FHA loan

One of the most beneficial aspects of FHA loans is that they allow borrowers to purchase not just single-family homes, but also multifamily properties. Buying a duplex, for instance, allows you to house hack by living in one unit and renting the other, which can be profitable enough to cover much or all of your mortgage.

Just like with a regular FHA loan, you’ll need a credit score of at least 500 (with a 10% down payment) or 580 (with a 3.5% down payment) in order to qualify and you’ll need to live in one of the units as your primary residence. While you can use a portion of the expected rental income to qualify for a loan for a multifamily property, you must also have sufficient cash reserves to cover your PITI (principal, interest, taxes and insurance) payments.

Here are the FHA loan limits for multifamily properties in every Wyoming county with the exception of Teton.