2026 conforming loan limits · Iowa
All 99 counties in Iowa use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Iowa at a glance
| Metric | Value |
|---|---|
| Counties | 99 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 99 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in Iowa carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Adair County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Adams County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Allamakee County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Appanoose County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Audubon County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Benton County | CEDAR RAPIDS, IA | $832,750 | $541,287 | $291,463 |
| Black Hawk County | WATERLOO-CEDAR FALLS, IA | $832,750 | $541,287 | $291,463 |
| Boone County | AMES, IA | $832,750 | $541,287 | $291,463 |
| Bremer County | WATERLOO-CEDAR FALLS, IA | $832,750 | $541,287 | $291,463 |
| Buchanan County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Buena Vista County | STORM LAKE, IA | $832,750 | $541,287 | $291,463 |
| Butler County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Calhoun County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Carroll County | CARROLL, IA | $832,750 | $541,287 | $291,463 |
| Cass County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cedar County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cerro Gordo County | MASON CITY, IA | $832,750 | $541,287 | $291,463 |
| Cherokee County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Chickasaw County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clarke County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clay County | SPENCER, IA | $832,750 | $541,287 | $291,463 |
| Clayton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clinton County | CLINTON, IA | $832,750 | $541,287 | $291,463 |
| Crawford County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Dallas County | DES MOINES-WEST DES MOINES, IA | $832,750 | $541,287 | $291,463 |
| Davis County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Decatur County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Delaware County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Des Moines County | BURLINGTON, IA-IL | $832,750 | $541,287 | $291,463 |
| Dickinson County | SPIRIT LAKE, IA | $832,750 | $541,287 | $291,463 |
| Dubuque County | DUBUQUE, IA | $832,750 | $541,287 | $291,463 |
| Emmet County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Fayette County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Floyd County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Franklin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Fremont County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Greene County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Grundy County | WATERLOO-CEDAR FALLS, IA | $832,750 | $541,287 | $291,463 |
| Guthrie County | DES MOINES-WEST DES MOINES, IA | $832,750 | $541,287 | $291,463 |
| Hamilton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hancock County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hardin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Harrison County | OMAHA, NE-IA | $832,750 | $541,287 | $291,463 |
| Henry County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Howard County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Humboldt County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ida County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Iowa County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jackson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jasper County | DES MOINES-WEST DES MOINES, IA | $832,750 | $541,287 | $291,463 |
| Jefferson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Johnson County | IOWA CITY, IA | $832,750 | $541,287 | $291,463 |
| Jones County | CEDAR RAPIDS, IA | $832,750 | $541,287 | $291,463 |
| Keokuk County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Kossuth County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lee County | FORT MADISON, IA | $832,750 | $541,287 | $291,463 |
| Linn County | CEDAR RAPIDS, IA | $832,750 | $541,287 | $291,463 |
| Louisa County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lucas County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lyon County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Madison County | DES MOINES-WEST DES MOINES, IA | $832,750 | $541,287 | $291,463 |
| Mahaska County | OSKALOOSA, IA | $832,750 | $541,287 | $291,463 |
| Marion County | PELLA, IA | $832,750 | $541,287 | $291,463 |
| Marshall County | MARSHALLTOWN, IA | $832,750 | $541,287 | $291,463 |
| Mills County | OMAHA, NE-IA | $832,750 | $541,287 | $291,463 |
| Mitchell County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Monona County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Monroe County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Montgomery County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Muscatine County | MUSCATINE, IA | $832,750 | $541,287 | $291,463 |
| O'Brien County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Osceola County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Page County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Palo Alto County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Plymouth County | LE MARS, IA | $832,750 | $541,287 | $291,463 |
| Pocahontas County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Polk County | DES MOINES-WEST DES MOINES, IA | $832,750 | $541,287 | $291,463 |
| Pottawattamie County | OMAHA, NE-IA | $832,750 | $541,287 | $291,463 |
| Poweshiek County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ringgold County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Sac County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Scott County | DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | $832,750 | $541,287 | $291,463 |
| Shelby County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Sioux County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Story County | AMES, IA | $832,750 | $541,287 | $291,463 |
| Tama County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Taylor County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Union County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Van Buren County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Wapello County | OTTUMWA, IA | $832,750 | $541,287 | $291,463 |
| Warren County | DES MOINES-WEST DES MOINES, IA | $832,750 | $541,287 | $291,463 |
| Washington County | IOWA CITY, IA | $832,750 | $541,287 | $291,463 |
| Wayne County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Webster County | FORT DODGE, IA | $832,750 | $541,287 | $291,463 |
| Winnebago County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Winneshiek County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Woodbury County | SIOUX CITY, IA-NE-SD | $832,750 | $541,287 | $291,463 |
| Worth County | MASON CITY, IA | $832,750 | $541,287 | $291,463 |
| Wright County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Adair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Allamakee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Appanoose County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Audubon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Black Hawk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Boone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bremer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Buchanan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Buena Vista County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Butler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cass County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cedar County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cerro Gordo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cherokee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chickasaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clarke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clayton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clinton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crawford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dallas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Davis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Decatur County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Delaware County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Des Moines County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dickinson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dubuque County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Emmet County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Floyd County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fremont County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grundy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Guthrie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hamilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hancock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hardin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Harrison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Howard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Humboldt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ida County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Iowa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jasper County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Johnson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jones County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Keokuk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kossuth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Linn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Louisa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lucas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lyon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mahaska County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mills County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mitchell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monona County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Muscatine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| O'Brien County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Osceola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Page County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Palo Alto County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Plymouth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pocahontas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pottawattamie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Poweshiek County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ringgold County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Scott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Shelby County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sioux County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Story County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tama County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Taylor County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Van Buren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wapello County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Webster County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Winnebago County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Winneshiek County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Woodbury County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Worth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wright County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)