Loan Limits / Iowa / Des Moines County
2026 Loan Limits · Iowa · BURLINGTON, IA-IL
Des Moines County, IA.
2026 conforming and FHA loan limits, calibrated to a median sales price of $139,000.
Median Sales Price
$139,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Des Moines County
Des Moines County is located in the U.S. state of Iowa. As of the 2020 census, the population was 38,910, and was estimated to be 38,077 in 2025. The county seat and largest city is Burlington. It is one of Iowa's two original counties along with Dubuque County; both were organized by the Michigan Territorial legislature in 1834. Des Moines County is part of the Burlington micropolitan statistical area. Read more on Wikipedia →
Population
38,597
U.S. Census ACS 2023
Median Household Income
$60,662
U.S. Census ACS 2023
Median Home Value (Census)
$137,000
Owner-occupied · ACS 2023
Owner-Occupancy Rate
73%
Of occupied housing
What these limits mean for buyers in Des Moines County
The 2026 conforming 1-unit limit for Des Moines County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Des Moines County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Des Moines County at $139,000. This matches the FHA national floor — Des Moines County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Des Moines County ($139,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Des Moines County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Des Moines County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.