Loan Limits / Wisconsin / Fond Du Lac County
2026 Loan Limits · Wisconsin · FOND DU LAC, WI
Fond Du Lac County, WI.
2026 conforming and FHA loan limits, calibrated to a median sales price of $225,000.
Median Sales Price
$225,000
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 Fond Du Lac County
Fond du Lac County is a county in the U.S. state of Wisconsin. As of the 2020 census, the population was 104,154. Its county seat is Fond du Lac. The county was created in the Wisconsin Territory in 1836 and later organized in 1844. Fond du Lac is French for "bottom of the lake", given so because of the county's location at the southern shore of Lake Winnebago. Fond du Lac County comprises the Fond du Lac, Wisconsin Metropolitan Statistical Area. The Holyland region is in northeastern Fond du Lac County. Read more on Wikipedia →
Population
104,053
U.S. Census ACS 2023
Median Household Income
$73,154
U.S. Census ACS 2023
Median Home Value (Census)
$209,800
Owner-occupied · ACS 2023
Owner-Occupancy Rate
70%
Of occupied housing
What these limits mean for buyers in Fond Du Lac County
The 2026 conforming 1-unit limit for Fond Du Lac 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. Fond Du Lac 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 Fond Du Lac County at $225,000. This matches the FHA national floor — Fond Du Lac County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Fond Du Lac County ($225,000) 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
Fond Du Lac 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 Fond Du Lac County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.