2026 conforming loan limits
2026 conforming loan limits in Iowa
Iowa has 99 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Iowa is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $832,750.
Baseline
99
Special statutory baseline
0
High-cost area
0
Every county/equivalent in Iowa
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Adair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Allamakee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Appanoose County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Audubon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Benton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Black Hawk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Boone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bremer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Buchanan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Buena Vista County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Butler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cass County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cedar County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cerro Gordo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cherokee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Chickasaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clarke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clayton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clinton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Crawford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dallas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Davis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Decatur County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Delaware County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Des Moines County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dickinson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dubuque County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Emmet County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Floyd County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fremont County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Grundy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Guthrie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hamilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hancock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hardin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Harrison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Howard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Humboldt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ida County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Iowa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jasper County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Johnson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jones County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Keokuk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kossuth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Linn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Louisa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lucas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lyon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mahaska County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mills County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mitchell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Monona County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Muscatine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| O'Brien County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Osceola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Page County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Palo Alto County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Plymouth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pocahontas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pottawattamie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Poweshiek County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ringgold County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Scott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Shelby County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sioux County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Story County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Tama County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Taylor County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Van Buren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wapello County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Webster County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Winnebago County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Winneshiek County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Woodbury County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Worth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wright County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to Iowa (IA).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for Iowa: 99. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
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