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FHA loans in Wyoming: Teton County is at the national ceiling. Most of the state is at the floor.
Wyoming has 23 counties, fewer than any state we are licensed in, and the spread between them is as wide as it gets. Teton County, which is Jackson, carries the national FHA ceiling of $1,249,125. Uinta County is at $579,600. The remaining 21 counties sit at the national floor of $541,287.
2026 figures, taken from HUD's own county limits file. Subject to eligibility and lender guidelines.
"Wyoming is rural, so the FHA limit will be the low one."
Mostly true, with one very large exception:
- Teton County (Jackson): $1,249,125, the national ceiling
- Uinta County (Evanston area): $579,600
- 21 of 23 counties: $541,287
- Laramie and Natrona counties are at the floor
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2026 FHA loan limits in Wyoming
23 counties, 21 of them at the national floor and 2 above it, including 1 at the national ceiling of $1,249,125. Find yours in the table, and note that the limit is a cap on the loan amount rather than a statement about what you qualify for.
| One unit | Two units | Three units | Four units | Where it applies |
|---|---|---|---|---|
| $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | Teton County |
| $579,600 | $742,000 | $896,900 | $1,114,650 | Uinta County |
| $541,287 | $693,050 | $837,700 | $1,041,125 | The remaining 21 counties |
County figures from HUD's CY2026 forward mortgage limits file; national floor and ceiling from Mortgagee Letter 2025-23, effective for case numbers assigned on or after January 1, 2026. Confirm your own county on HUD's official lookup before it matters, since these change each January. Teton's ceiling figure comes from the Jackson, WY-ID MSA calculation. Not a commitment to lend.
Why Teton and Uinta break from the rest
Teton County belongs to the Jackson, WY-ID metropolitan area, one of the most expensive housing markets in the United States. HUD calculates a metro area's limit from the highest median price county in it, and in Teton's case that produces the maximum figure FHA will insure anywhere in the continental United States. A borrower in Jackson has more than twice the FHA borrowing capacity of one in Cheyenne.
Uinta County's $579,600 comes through the Evanston, WY-UT area, which crosses into Utah. It is a modest step above the floor rather than a dramatic one, but it illustrates the same mechanism: a county attached to a metro area that spans a state line inherits that area's calculation.
For the other 21 counties the practical answer is the simple one. Cheyenne, Casper, Gillette, Sheridan, Laramie: all $541,287 on a one-unit home, and no lookup needed.
Who regulates us in Wyoming
Home Loans Inc: Jason Sharon, Mortgage Broker is licensed as a mortgage broker in Wyoming through the WY Division of Banking, under company NMLS #1728740. Jason Sharon's individual licence is NMLS #1281448.
Our Wyoming license is issued through the Wyoming Division of Banking under company NMLS #1728740, verifiable through NMLS Consumer Access in the footer.
A Jackson purchase at the ceiling and a Casper purchase at the floor are different files; brokering means each goes where it fits. HUD also maintains a Wyoming page covering local housing programs and assistance.
The 23 figures above are the only state-specific part
Outside Teton and Uinta the limit is fixed, so the work is in qualifying. The federal requirements apply the same in Jackson as in Gillette, even though the borrowing headroom does not.
Comparing states? The state hub sets out what is federal and what is local across all ten states we are licensed in.
What people ask about FHA loans in Wyoming
What is the FHA loan limit in Jackson, Wyoming for 2026?
Teton County is at the national ceiling of $1,249,125 for a one-unit property. Two-unit is $1,599,375, three-unit $1,933,200 and four-unit $2,402,625. It is the only Wyoming county at the ceiling.
What is the FHA loan limit in Cheyenne or Casper?
Both are at the national floor of $541,287 for a one-unit property. Laramie County for Cheyenne and Natrona County for Casper are among the 21 Wyoming counties at the floor.
Why is Teton County so much higher than the rest of Wyoming?
Because it forms the Jackson, WY-ID metropolitan area, which has among the highest median house prices in the country. HUD sets a metro area's FHA limit from the highest median price county within it, and for Teton that calculation reaches the maximum the program allows in the continental United States.
Are FHA requirements different in Wyoming?
No. Credit, down payment, debt-to-income and property rules are federal and identical in all fifty states. What is local is the county loan limit and which lenders hold a Wyoming license through the Division of Banking.
Let's re-run your math the right way.
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