County matters
Utah FHA limits are published by county or metropolitan statistical area.
FHA loan limits vary by Utah county, property type, and number of units. Use this guide to understand the limit that may apply before you compare homes or estimate your payment.
Important: an FHA loan limit is a maximum base loan amount FHA may insure—not a guaranteed purchase price or loan approval. Your down payment, income, debts, credit, property, and lender requirements still matter.
2026 national range
Your exact Utah limit depends on the county or MSA and whether the property has one, two, three, or four units.
These are national FHA ranges. The exact Utah county limit can fall between the floor and ceiling.
Look up the exact HUD limit →Utah FHA limits are published by county or metropolitan statistical area.
Two- to four-unit homes have higher limit categories than one-unit homes.
The limit caps the FHA-insured base loan; qualification is a separate review.
An FHA loan limit is the maximum base loan amount FHA may insure for a property in a specific Utah county or metropolitan area. It is not the maximum sale price, and it does not replace the lender’s review of your complete application.
Before you compare an FHA loan limit with a home price, identify the location and property type. Those details determine which limit applies.
HUD publishes FHA limits by county or metropolitan statistical area, so the number can differ from one Utah market to another.
One-unit, two-unit, three-unit, and four-unit properties each have their own FHA limit category.
The limit applies to the FHA base mortgage before any financed upfront mortgage insurance premium is added.
Guideline note: FHA Handbook 4000.1, Section II.A.2.a, explains that FHA limits are set by MSA and county and updated for each calendar year.
Use the table below to compare the FHA base loan limits for one-, two-, three-, and four-unit properties. The applicable limit depends on the county or MSA and the number of units in the home.
Start with the county where the property is located, then select the column that matches the number of living units. These are maximum base loan amounts before financed upfront mortgage insurance premium.
| County | HUD area | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|---|
| Beaver County | Non-metro Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Box Elder County | Brigham City, UT-ID Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Cache County | Logan, UT-ID Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Carbon County | Price, UT Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Daggett County | Non-metro Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Davis County | Ogden, UT High-cost | $744,050 | $952,500 | $1,151,400 | $1,430,900 |
| Duchesne County | Non-metro Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Emery County | Non-metro Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Garfield County | Non-metro Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Grand County | Non-metro High-cost | $839,500 | $1,074,700 | $1,299,100 | $1,614,450 |
| Iron County | Cedar City, UT Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Juab County | Provo-Orem-Lehi, UT High-cost | $601,450 | $769,950 | $930,700 | $1,156,650 |
| Kane County | Non-metro Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Millard County | Non-metro Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Morgan County | Ogden, UT High-cost | $744,050 | $952,500 | $1,151,400 | $1,430,900 |
| Piute County | Non-metro Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Rich County | Evanston, WY-UT High-cost | $579,600 | $742,000 | $896,900 | $1,114,650 |
| Salt Lake County | Salt Lake City-Murray, UT High-cost | $637,100 | $815,600 | $985,900 | $1,225,200 |
| San Juan County | Non-metro Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Sanpete County | Non-metro Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Sevier County | Non-metro Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Summit County | Heber, UT High-cost | $1,163,800 | $1,489,900 | $1,800,950 | $2,238,150 |
| Tooele County | Salt Lake City-Murray, UT High-cost | $637,100 | $815,600 | $985,900 | $1,225,200 |
| Uintah County | Vernal, UT Standard | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Utah County | Provo-Orem-Lehi, UT High-cost | $601,450 | $769,950 | $930,700 | $1,156,650 |
| Wasatch County | Heber, UT High-cost | $1,163,800 | $1,489,900 | $1,800,950 | $2,238,150 |
| Washington County | St. George, UT High-cost | $607,200 | $777,300 | $939,600 | $1,167,700 |
| Wayne County | Non-metro High-cost | $997,050 | $1,276,400 | $1,542,900 | $1,917,450 |
| Weber County | Ogden, UT High-cost | $744,050 | $952,500 | $1,151,400 | $1,430,900 |
Found your county and property type? The next question is whether your income, debts, credit, down payment, and target payment support the scenario.
Start the FHA eligibility check →Source: HUD FHA Mortgage Limits. 2026 limits apply to FHA case numbers assigned on or after January 1, 2026. Verify the applicable limit before relying on it.
The FHA limit caps the base mortgage amount—not the home’s purchase price. With the minimum 3.5% required investment, the potential purchase-price example is higher than the base loan limit, but the final result still depends on appraisal, income, debts, credit, and the complete underwriting review.
For a basic 3.5%-down purchase example, divide the applicable base loan limit by 96.5%. This estimates the highest adjusted value that could support that base loan amount before considering appraisal adjustments, purchase-price issues, financed UFMIP, closing costs, or lender requirements.
Approximate 3.5%-down example before property and underwriting adjustments.
The actual transaction can change with purchase price, appraisal, credits, and other FHA rules.
High-cost limits do not guarantee qualification for the maximum amount.
Want to test your own county, price, and down payment? Start with the FHA eligibility form so the limit can be considered alongside the rest of your scenario.
Check My FHA Eligibility →Guideline note: FHA Handbook 4000.1, Sections II.A.2.a and II.A.2.c, address maximum mortgage amounts and the minimum required investment. This page provides planning examples, not a loan approval.
A home can be priced above the FHA limit and still be worth evaluating. The key question is whether the borrower can bring enough funds to keep the FHA base loan at or below the applicable county limit.
Assume the property is a one-unit home, the adjusted value equals the $700,000 purchase price, and there are no purchase-price adjustments. Salt Lake County’s 2026 one-unit FHA base loan limit is $637,100. A simplified 3.5%-down calculation would create a base loan above that limit, so additional cash would be needed to keep the FHA base loan within the county limit.
This is a planning example before closing costs, prepaids, appraisal differences, UFMIP, credits, and lender requirements.
Want to know which path fits your numbers? Use the FHA eligibility form to share the target county, price, down payment, income, debts, credit, and property details.
Check My FHA Eligibility →Guideline note: FHA’s maximum mortgage amount is based on the applicable limit and adjusted value. This page provides a simplified planning example, not a loan approval.
The FHA county limit applies to the base loan amount. Other parts of the transaction—such as financed upfront mortgage insurance, closing costs, prepaids, and the complete monthly payment—need to be evaluated separately.
This distinction helps prevent a common mistake: treating the county limit as if it were the final cash-to-close amount or the complete monthly payment.
Want the full picture for your scenario? The FHA eligibility form can review the county, property, down payment, income, debts, credit, and goals together.
Check My FHA Eligibility →Guideline note: FHA Handbook 4000.1, Sections II.A.2.a and II.A.2.e, distinguish the base loan amount from financed upfront MIP and periodic mortgage insurance. This page is educational and not a loan approval.
The county limit is only one part of the analysis. The property’s unit count, legal classification, occupancy, and FHA property requirements can affect how the loan is reviewed.
A typical one-unit primary residence uses the one-unit limit for its Utah county or MSA. The final property value, occupancy, borrower qualification, and appraisal still matter.
Each unit count has its own higher FHA limit category. Owner-occupancy and additional property requirements apply, so the higher limit does not automatically mean approval.
If the home is legally a condominium, the project or unit must meet an FHA approval path, such as an approved project, Site Condominium status, or Single-Unit Approval.
Manufactured housing and renovation loans have additional FHA requirements. The property, foundation, documentation, repairs, and final value must be reviewed under the applicable program rules.
Not sure which category applies? Use the FHA eligibility form to share the target property, price, county, down payment, and borrower details for an initial planning review.
Check My FHA Eligibility →Guideline note: FHA Handbook 4000.1 addresses property eligibility, occupancy, condo approval paths, manufactured housing, and 203(k) requirements. Final eligibility requires complete lender and property review.
Here are clear answers to the questions buyers often have after reviewing the 2026 Utah county table.
There is not one statewide FHA limit. The 2026 limit depends on the Utah county or metropolitan area and the property’s number of living units. Use the county table above to find the applicable one-, two-, three-, or four-unit limit.
No. Some counties use the national floor, while other Utah counties have higher limits based on local median home prices. The same county can also have different limits for one-unit, two-unit, three-unit, and four-unit properties.
No. The FHA limit is the maximum base loan amount FHA may insure. A purchase price can be higher than the base loan limit when the borrower contributes enough additional funds, subject to the adjusted value, appraisal, down payment, and underwriting.
Possibly. The borrower may need a larger down payment so the FHA base loan stays within the applicable county limit. Other options may include a different purchase price, property, or loan program. The final scenario must be reviewed by the lender.
The 3.5% figure is FHA’s minimum required investment for many standard purchase scenarios; it is not a promise that every borrower will qualify with exactly 3.5% down. If the purchase price would create a base loan above the county limit, additional funds may be required.
The county limit applies to the FHA base loan amount. If the upfront mortgage insurance premium is financed, it is added to the mortgage balance after the base loan amount is determined. The final payment and cash-to-close calculation should show both amounts separately.
A lower appraisal can change the adjusted value used for the mortgage calculation. Depending on the contract and transaction details, the buyer may need to renegotiate the price, bring additional funds, or reconsider the property and financing structure.
Yes. FHA publishes separate limit categories for two-, three-, and four-unit properties. Higher limits do not remove other requirements, including occupancy, property condition, appraisal, rental-income treatment, and borrower qualification.
FHA publishes updated forward mortgage limits for each calendar year. The effective date and case-number timing matter, so verify the current limit when you are ready to make an offer or begin a loan.
No. The form is an initial planning questionnaire that helps organize your county, property, income, debts, credit, down payment, and goals. It is not a loan approval, commitment to lend, or substitute for a complete lender and AUS review.
Still unsure which limit applies? Share your target county, price, property type, down payment, income, debts, and credit through the FHA eligibility form for an education-first next step.
Check My FHA Eligibility →Guideline note: FHA loan limits, effective dates, adjusted value, base loan amount, and property requirements must be confirmed using current HUD guidance and the lender’s underwriting requirements.
The FHA loan limit is a useful starting point, but the right financing decision also considers the complete payment, available funds, credit, income, debts, property, and goals.
Share a few details about your county, property, income, debts, credit, and down payment for an initial education-first planning step.
Start the eligibility check →Estimate principal, interest, mortgage insurance, taxes, homeowners insurance, HOA dues, and other payment factors.
Open the FHA calculator →When you are ready for a documented review, learn what information is needed for a complete pre-approval process.
Review the pre-approval process →Start with education—not an application. The eligibility form is an initial planning questionnaire, not a loan approval, quote, commitment to lend, or substitute for complete underwriting.
For current FHA limits, use the HUD FHA Mortgage Limits lookup and confirm the applicable county, unit count, effective date, and lender requirements.