Loan Limits / Missouri / Cape Girardeau County
2026 Loan Limits · Missouri · CAPE GIRARDEAU, MO-IL
Cape Girardeau County, MO.
2026 conforming and FHA loan limits, calibrated to a median sales price of $231,000.
Median Sales Price
$231,000
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 Cape Girardeau County
Cape Girardeau County is located in the southeastern part of the U.S. state of Missouri; its eastern border is formed by the Mississippi River. At the 2020 census, the population was 81,710. The county seat is Jackson, the first city in the US to be named in honor of President Andrew Jackson. Officially organized on October 1, 1812, the county is named after Ensign Sieur Jean Baptiste de Girardot, an official of the French colonial years. The "cape" in the county's name is named after a former promontory rock overlooking the Mississippi River; this feature was demolished during railroad construction. Cape Girardeau County is the hub of the Cape Girardeau–Jackson metropolitan area. Its largest city is Cape Girardeau. Read more on Wikipedia →
Population
82,180
U.S. Census ACS 2023
Median Household Income
$68,912
U.S. Census ACS 2023
Median Home Value (Census)
$208,300
Owner-occupied · ACS 2023
Owner-Occupancy Rate
66%
Of occupied housing
What these limits mean for buyers in Cape Girardeau County
The 2026 conforming 1-unit limit for Cape Girardeau 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. Cape Girardeau 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 Cape Girardeau County at $231,000. This matches the FHA national floor — Cape Girardeau County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Cape Girardeau County ($231,000) 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
Cape Girardeau 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 Cape Girardeau County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.