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.
Complete Utah County List
Search for your county below to see the maximum 2026 FHA base mortgage for one- through four-unit properties. Counties with a detailed local FHA guide are linked directly from the table.
Showing all 29 Utah counties
| County | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
Beaver County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Box Elder County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Cache County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Carbon County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Daggett County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
|
Davis County
County Guide
|
$744,050 | $952,500 | $1,151,400 | $1,430,900 |
Duchesne County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Emery County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Garfield County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Grand County |
$839,500 | $1,074,700 | $1,299,100 | $1,614,450 |
Iron County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Juab County |
$601,450 | $769,950 | $930,700 | $1,156,650 |
Kane County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Millard County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Morgan County |
$744,050 | $952,500 | $1,151,400 | $1,430,900 |
Piute County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Rich County |
$579,600 | $742,000 | $896,900 | $1,114,650 |
|
Salt Lake County
County Guide
|
$637,100 | $815,600 | $985,900 | $1,225,200 |
San Juan County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Sanpete County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
Sevier County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
|
Summit County
County Guide
|
$1,163,800 | $1,489,900 | $1,800,950 | $2,238,150 |
|
Tooele County
County Guide
|
$637,100 | $815,600 | $985,900 | $1,225,200 |
Uintah County |
$541,287 | $693,050 | $837,700 | $1,041,125 |
|
Utah County
County Guide
|
$601,450 | $769,950 | $930,700 | $1,156,650 |
|
Wasatch County
County Guide
|
$1,163,800 | $1,489,900 | $1,800,950 | $2,238,150 |
|
Washington County
County Guide
|
$607,200 | $777,300 | $939,600 | $1,167,700 |
Wayne County |
$997,050 | $1,276,400 | $1,542,900 | $1,917,450 |
|
Weber County
County Guide
|
$744,050 | $952,500 | $1,151,400 | $1,430,900 |
Your purchase price may be higher than the FHA base loan amount depending on the down payment and final loan structure.
A higher 2–4 unit limit does not make the property an investment loan. Standard FHA occupancy and property requirements still apply.
2026 FHA forward mortgage limits. Limits are based on property location and number of residential units and are subject to HUD updates.
Understanding the Numbers
Finding your county limit is only the first step. The FHA limit tells you how large the base mortgage may be for an eligible property—it does not tell you how much home you qualify to buy or how much you should spend.
Your county's FHA limit is a program ceiling. Your actual qualifying amount is determined by your income, debts, credit profile, interest rate, taxes, insurance, mortgage insurance and other applicable housing expenses.
The county limit applies to the FHA base mortgage—not necessarily the home's sales price. An eligible buyer's purchase price can be higher than the county loan limit when enough down payment is provided and the final mortgage remains within FHA requirements.
FHA publishes separate limits for one-, two-, three- and four-unit properties. The higher multi-unit limits do not eliminate FHA occupancy, underwriting or property requirements.
Use the FHA limit for the county where the property is physically located. Your current residence, employer or mailing address does not determine which county mortgage limit applies to the purchase.
If an eligible borrower purchases a $600,000 home using approximately 96.5% FHA base financing, the base mortgage would be approximately $579,000 before financed upfront mortgage insurance.
Use the table above based on the location and unit count of the property you plan to buy.
Include principal, interest, taxes, insurance, FHA mortgage insurance and HOA dues when applicable.
Look beyond the down payment to closing costs, prepaids, deposits, gift funds and available credits.
Use your qualification and payment target to establish the home price range that actually fits your financial plan.
Examples are for educational purposes only. Maximum FHA financing and actual loan amounts depend on the borrower's qualifications, adjusted property value, transaction structure and applicable FHA and lender requirements.
How HUD Sets the Numbers
FHA loan limits are designed to adjust for differences in local housing costs. That is why a buyer in one Utah county may have a much higher FHA mortgage ceiling than a buyer in another county.
For 2026, the one-unit FHA floor is $541,287. Lower-cost housing areas generally use this amount.
FHA uses county and metropolitan-area median home-price data to determine whether a local limit should rise above the national floor.
When the statutory calculation produces a number above the FHA floor, the local mortgage limit can increase to reflect the area's housing costs.
HUD publishes updated forward mortgage limits annually, so a county's FHA limit can change from one calendar year to the next.
The one-unit limit used in Utah counties that remain at the nationwide low-cost-area floor.
Counties such as Salt Lake, Utah, Davis, Weber, Grand and Washington fall between the national FHA floor and ceiling in 2026.
Summit and Wasatch counties carry Utah's highest one-unit FHA limit for 2026.
FHA limits are established by county and Metropolitan Statistical Area. When counties are part of the same applicable metropolitan area, HUD may use the county with the highest median price in that area when determining the limit. This can cause multiple nearby counties to share the same FHA mortgage ceiling.
FHA loan limits are calendar-year figures. A loan amount that falls within the limit today should not automatically be assumed to fall within the same county limit in a future year. Always check the applicable limit for the FHA case-number year.
FHA's county-level system is intended to provide different mortgage ceilings for housing markets with different price levels while still maintaining a national floor and ceiling. For 2026, Utah's one-unit FHA limits range from $541,287 to $1,163,800.
From Loan Limit to Purchase Price
Yes. FHA loan limits apply to the base mortgage amount—not directly to the home's purchase price. A buyer may be able to purchase above the county limit by contributing enough additional funds to keep the FHA base loan within the applicable limit.
For example, a buyer purchasing a $600,000 home with approximately 3.5% down would have an estimated FHA base mortgage of $579,000. The number to compare with the county limit is the $579,000 base mortgage—not the $600,000 purchase price.
When minimum FHA financing would create a base loan above the applicable county ceiling, the transaction may still be possible if the buyer contributes enough additional funds and the final mortgage complies with FHA requirements.
In this simplified example, 3.5% down would create a base mortgage above the Salt Lake County FHA limit. Increasing the down payment to approximately $62,900 would reduce the base mortgage to $637,100, assuming the adjusted property value supports the transaction.
The key test is whether the resulting FHA base mortgage stays within the applicable county and unit-count limit. Purchase price, down payment, adjusted value and borrower qualification still determine whether the overall transaction works.
Examples are simplified for educational purposes. Actual maximum financing depends on adjusted value, borrower qualification, property eligibility, applicable FHA limits and lender underwriting requirements. Closing costs, prepaid expenses and financed upfront mortgage insurance are not included in the example above.
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.
Beyond the County Limit
Staying below your county's FHA loan limit does not automatically make a loan eligible. FHA financing also depends on the borrower, property, occupancy, available funds and complete monthly housing payment.
The county limit tells you the maximum FHA base mortgage available in the area. Your personal approval depends on your complete financial profile and applicable underwriting requirements.
FHA loan requirements →Eligible borrowers may qualify for maximum 96.5% base financing. Credit profile, property value and the final loan structure help determine the actual minimum investment.
FHA credit & down payment →Principal, interest, property taxes, homeowners insurance, FHA mortgage insurance and applicable HOA dues all influence qualification and affordability.
Estimate an FHA payment →FHA financing includes appraisal and property requirements related to eligibility, value and applicable health, safety and structural considerations.
FHA property requirements →Standard FHA purchase financing generally requires at least one borrower to occupy the property as a principal residence. It is not designed as a conventional vacation-home or investment-property program.
Review FHA eligibility →Closing costs, prepaid expenses, escrow funding, earnest money, eligible credits, gifts and assistance can all affect the final amount the buyer needs at closing.
Understand FHA cash to close →That's important—but it is only one eligibility test. The county limit by itself does not determine whether the borrower qualifies, whether the property is eligible or whether the payment makes sense.
Before shopping seriously, put the loan limit into the context of your complete financing picture.
Review income, debts, credit and available funds.
Decide on a comfortable monthly range before maximizing price.
Estimate the complete cash requirement rather than down payment alone.
Review the actual property and occupancy plan before relying on FHA.
If you know the Utah county where you want to buy, the next step is to determine what price range, payment and cash-to-close target make sense for your specific situation.
FHA guidelines establish baseline program requirements. Loan approval remains subject to borrower qualification, property eligibility, underwriting and any applicable lender requirements.
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.