Loan Limits / Missouri / Lawrence County
2026 Loan Limits · Missouri · NON-METRO
Lawrence County, MO.
2026 conforming and FHA loan limits, calibrated to a median sales price of $199,000.
Median Sales Price
$199,000
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 Lawrence County
Lawrence County is located in the southwest portion of the U.S. state of Missouri, in the area of the Ozarks. As of the 2020 census, the population was 38,001. Its county seat is Mount Vernon. The county was organized in 1845 and named for James Lawrence, a naval officer from the War of 1812 known for his battle cry, "Don't give up the ship!" Read more on Wikipedia →
Population
38,392
U.S. Census ACS 2023
Median Household Income
$55,849
U.S. Census ACS 2023
Median Home Value (Census)
$159,800
Owner-occupied · ACS 2023
Owner-Occupancy Rate
73%
Of occupied housing
What these limits mean for buyers in Lawrence County
The 2026 conforming 1-unit limit for Lawrence 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. Lawrence 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 Lawrence County at $199,000. This matches the FHA national floor — Lawrence County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Lawrence County ($199,000) 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
Lawrence 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 Lawrence County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.