Stewardship Capital
The conforming and FHA loan limits for all 105 counties in Kansas, effective for 2026. Conforming limits come from the Federal Housing Finance Agency, FHA limits from HUD.
Baseline conforming
$832,750
One unit, most counties
Every county
$832,750
Same limit statewide
FHA range
$541,287 – $541,287
One unit, by county
No county in Kansas is designated high-cost for 2026, so the conforming limit is $832,750 for a one-unit home everywhere in the state.
| County | Conforming | FHA |
|---|---|---|
| Allen County | $832,750 | $541,287 |
| Anderson County | $832,750 | $541,287 |
| Atchison County | $832,750 | $541,287 |
| Barber County | $832,750 | $541,287 |
| Barton County | $832,750 | $541,287 |
| Bourbon County | $832,750 | $541,287 |
| Brown County | $832,750 | $541,287 |
| Butler County | $832,750 | $541,287 |
| Chase County | $832,750 | $541,287 |
| Chautauqua County | $832,750 | $541,287 |
| Cherokee County | $832,750 | $541,287 |
| Cheyenne County | $832,750 | $541,287 |
| Clark County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Cloud County | $832,750 | $541,287 |
| Coffey County | $832,750 | $541,287 |
| Comanche County | $832,750 | $541,287 |
| Cowley County | $832,750 | $541,287 |
| Crawford County | $832,750 | $541,287 |
| Decatur County | $832,750 | $541,287 |
| Dickinson County | $832,750 | $541,287 |
| Doniphan County | $832,750 | $541,287 |
| Douglas County | $832,750 | $541,287 |
| Edwards County | $832,750 | $541,287 |
| Elk County | $832,750 | $541,287 |
| Ellis County | $832,750 | $541,287 |
| Ellsworth County | $832,750 | $541,287 |
| Finney County | $832,750 | $541,287 |
| Ford County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Geary County | $832,750 | $541,287 |
| Gove County | $832,750 | $541,287 |
| Graham County | $832,750 | $541,287 |
| Grant County | $832,750 | $541,287 |
| Gray County | $832,750 | $541,287 |
| Greeley County | $832,750 | $541,287 |
| Greenwood County | $832,750 | $541,287 |
| Hamilton County | $832,750 | $541,287 |
| Harper County | $832,750 | $541,287 |
| Harvey County | $832,750 | $541,287 |
| Haskell County | $832,750 | $541,287 |
| Hodgeman County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Jewell County | $832,750 | $541,287 |
| Johnson County | $832,750 | $541,287 |
| Kearny County | $832,750 | $541,287 |
| Kingman County | $832,750 | $541,287 |
| Kiowa County | $832,750 | $541,287 |
| Labette County | $832,750 | $541,287 |
| Lane County | $832,750 | $541,287 |
| Leavenworth County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Linn County | $832,750 | $541,287 |
| Logan County | $832,750 | $541,287 |
| Lyon County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Marshall County | $832,750 | $541,287 |
| Mcpherson County | $832,750 | $541,287 |
| Meade County | $832,750 | $541,287 |
| Miami County | $832,750 | $541,287 |
| Mitchell County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Morris County | $832,750 | $541,287 |
| Morton County | $832,750 | $541,287 |
| Nemaha County | $832,750 | $541,287 |
| Neosho County | $832,750 | $541,287 |
| Ness County | $832,750 | $541,287 |
| Norton County | $832,750 | $541,287 |
| Osage County | $832,750 | $541,287 |
| Osborne County | $832,750 | $541,287 |
| Ottawa County | $832,750 | $541,287 |
| Pawnee County | $832,750 | $541,287 |
| Phillips County | $832,750 | $541,287 |
| Pottawatomie County | $832,750 | $541,287 |
| Pratt County | $832,750 | $541,287 |
| Rawlins County | $832,750 | $541,287 |
| Reno County | $832,750 | $541,287 |
| Republic County | $832,750 | $541,287 |
| Rice County | $832,750 | $541,287 |
| Riley County | $832,750 | $541,287 |
| Rooks County | $832,750 | $541,287 |
| Rush County | $832,750 | $541,287 |
| Russell County | $832,750 | $541,287 |
| Saline County | $832,750 | $541,287 |
| Scott County | $832,750 | $541,287 |
| Sedgwick County | $832,750 | $541,287 |
| Seward County | $832,750 | $541,287 |
| Shawnee County | $832,750 | $541,287 |
| Sheridan County | $832,750 | $541,287 |
| Sherman County | $832,750 | $541,287 |
| Smith County | $832,750 | $541,287 |
| Stafford County | $832,750 | $541,287 |
| Stanton County | $832,750 | $541,287 |
| Stevens County | $832,750 | $541,287 |
| Sumner County | $832,750 | $541,287 |
| Thomas County | $832,750 | $541,287 |
| Trego County | $832,750 | $541,287 |
| Wabaunsee County | $832,750 | $541,287 |
| Wallace County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wichita County | $832,750 | $541,287 |
| Wilson County | $832,750 | $541,287 |
| Woodson County | $832,750 | $541,287 |
| Wyandotte County | $832,750 | $541,287 |
Not sure which limit applies to your purchase? Stewardship Capital works with buyers and homeowners in Kansas. Talk it through with Stephen.
The baseline conforming loan limit in Kansas for 2026 is $832,750 for a one-unit home. Every county in Kansas uses that same baseline limit.
FHA loan limits in Kansas range from $541,287 to $541,287 for a one-unit home, depending on the county. The national FHA floor is $541,287 and the ceiling is $1,249,125.
A high balance loan is a conforming loan in a county whose limit is above the national baseline of $832,750. It still follows Fannie Mae and Freddie Mac guidelines, so it is not a jumbo loan, though it usually prices a little differently.
A loan above the county's conforming limit is a jumbo loan. Jumbo loans are held by individual investors rather than bought by Fannie Mae or Freddie Mac, so the qualifying guidelines are set by each investor and tend to be stricter on credit, reserves and down payment.
Yes, and they are higher. Every county has four limits, one for each size of property from one unit up to four units. The figures on this page are the one-unit limits, which is what most buyers need.
About these numbers. Conforming limits are published each year by the Federal Housing Finance Agency and apply to loans bought by Fannie Mae and Freddie Mac. FHA limits are published by the U.S. Department of Housing and Urban Development. Both are effective for 2026. Limits are set by county and by the number of units, and they are not a quote, a commitment to lend or an offer of credit. Stephen Chakerian, NMLS #2193331 | Stewardship Capital, a team of Barrett Financial Group, L.L.C., NMLS #181106 | Equal Housing Opportunity.
