Loan Limits / Kansas / Labette County
2026 Loan Limits · Kansas · NON-METRO
Labette County, KS.
2026 conforming and FHA loan limits, calibrated to a median sales price of $122,000.
Median Sales Price
$122,000
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 Labette County
Labette County is a county located in Southeast Kansas. Its county seat is Oswego, and its most populous city is Parsons. As of the 2020 census, the county population was 20,184. The county was named after LaBette Creek, the second-largest creek in the county, which runs roughly north-northwest-south-southeast from near Parsons to Chetopa. The creek in turn was named after French-Canadian fur trapper Pierre LaBette, who had moved to the area, living along the Neosho River, and marrying into the Osage tribe in the 1830s and 1840s. Read more on Wikipedia →
Population
19,949
U.S. Census ACS 2023
Median Household Income
$55,439
U.S. Census ACS 2023
Median Home Value (Census)
$92,100
Owner-occupied · ACS 2023
Owner-Occupancy Rate
74%
Of occupied housing
What these limits mean for buyers in Labette County
The 2026 conforming 1-unit limit for Labette 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. Labette 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 Labette County at $122,000. This matches the FHA national floor — Labette County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Labette County ($122,000) 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
Labette 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 Labette County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.