Lower-Cost Areas
$541,287
This is the 2026 one-unit FHA floor. Utah counties whose calculated local limit would otherwise fall below this amount use the national FHA floor instead.
FHA loan limits vary significantly across Utah. Use this statewide guide to find the 2026 FHA limit for all 29 Utah counties, then explore detailed local guides for Utah's major homebuying markets.
FHA limits shown are base mortgage limits for 2026. Your actual qualifying amount depends on your income, debts, credit, property, interest rate and complete loan structure.
Local FHA Guides
FHA guidelines are national, but loan limits, housing costs and property considerations can vary by location. Explore a detailed county guide for some of Utah's most active homebuying markets, or continue to the statewide table for all 29 counties.
Salt Lake City · South Jordan · Sandy · Draper · West Jordan
Explore Salt Lake County →Provo · Orem · Lehi · American Fork · Spanish Fork
Explore Utah County →Bountiful · Layton · Farmington · Kaysville · Syracuse
Explore Davis County →Ogden · Roy · North Ogden · South Ogden · Riverdale
Explore Weber County →Tooele · Grantsville · Stansbury Park · Erda · Lake Point
Explore Tooele County →St. George · Washington · Hurricane · Ivins · Santa Clara
Explore Washington County →Park City · Snyderville Basin · Kamas · Coalville
Explore Summit County →Heber City · Midway · Hideout · Charleston · Daniel
Explore Wasatch County →You do not need a separate county guide. The complete table below includes 2026 FHA limits for all 29 Utah counties and one- through four-unit properties.
How FHA Limits Are Set
FHA does not use one mortgage limit for the entire state. Each year, FHA calculates limits using local home-price data, subject to a nationwide minimum floor and maximum high-cost ceiling.
This is the 2026 one-unit FHA floor. Utah counties whose calculated local limit would otherwise fall below this amount use the national FHA floor instead.
When local median home prices support a higher limit, FHA can set the area's mortgage limit above the national floor. This is why several Utah counties have different FHA limits.
For a one-unit property, FHA's 2026 high-cost ceiling limits how high the standard forward mortgage limit can rise in the contiguous United States.
FHA uses applicable median home-price data for the county or metropolitan area.
The local calculation generally begins with 115% of the area's applicable median home price.
The calculated amount is then subject to FHA's nationwide minimum floor and maximum high-cost ceiling.
Separate FHA limits are published for one-, two-, three- and four-unit residential properties.
FHA also establishes limits by Metropolitan Statistical Area (MSA). When counties are grouped within the same applicable metropolitan area, FHA uses the county with the highest median home price in that MSA when establishing the area's limit. That is why counties such as Davis and Weber can share the same FHA limit even though they are separate counties.
Loan Limit vs. Qualification
Not necessarily. The FHA county limit sets the maximum base mortgage allowed for an eligible property in that area. Your personal qualification is determined separately.
The county limit establishes the maximum FHA base mortgage available for the property type and location. It does not mean every borrower can qualify for a loan at that amount.
Your qualifying loan amount depends on factors such as income, monthly debts, credit history, available funds, interest rate, property expenses and the overall underwriting result.
Documented qualifying income helps determine what monthly housing payment can be supported.
Existing obligations affect the debt-to-income calculation and overall mortgage qualification.
Credit score and credit history influence eligibility, pricing and underwriting.
A change in rate changes the monthly principal and interest payment and can affect buying power.
Taxes, insurance, mortgage insurance and HOA dues all contribute to the total housing payment.
Down payment, closing costs, prepaid expenses and available credits help determine whether the transaction is workable.
For example, a buyer purchasing in a higher-cost Utah county may have access to a larger FHA program limit, but their actual buying range could still be substantially lower based on their income, debts and preferred monthly payment.
Start With Your Location
You do not need to understand every FHA rule before starting. Begin with the county where you plan to buy, then work from the applicable loan limit toward a realistic payment and qualification plan.
FHA mortgage limits are based on the location of the property. Start with the county where the home is located and identify the applicable one-, two-, three- or four-unit limit.
The county limit tells you the maximum FHA base mortgage available for an eligible property. Use the FHA mortgage calculator to estimate how purchase price, down payment and payment may fit together.
Your loan amount still depends on income, monthly debts, credit, available funds and the property itself. A Utah FHA pre-approval review can help turn the county limit into a practical homebuying range.
Search the property address through the applicable Utah county assessor or recorder, then return here to review the FHA limit and available local guide.
Utah FHA Questions
Understanding how FHA county limits work can make it easier to compare properties and build a realistic homebuying plan.
No. Some Utah counties have different FHA limits, while others share the same limit. Counties may use the national FHA floor, have a higher limit based on local home prices, or share a limit because they are part of the same applicable metropolitan area.
Use the county where the specific property is physically located. The city name alone is not enough when a community extends into more than one county. Confirm the property's county before using a loan limit for planning purposes.
FHA publishes mortgage limits annually. The 2026 limits apply to FHA case numbers assigned from January 1 through December 31, 2026. Because future limits can change, always verify the current year's limit when planning a purchase.
No. The county limit is the maximum FHA base mortgage amount for that property type and area. A buyer eligible for FHA maximum financing may potentially purchase a home above the base loan limit because part of the purchase price is covered by the required investment or down payment.
Yes. FHA publishes separate limits for one-, two-, three- and four-unit properties. Multi-unit limits are higher than the one-unit limit, although borrower qualification, owner occupancy, property eligibility and additional underwriting requirements still apply. See the complete Utah FHA loan-limit table .
No. A higher county limit simply allows FHA financing to reach a higher base mortgage amount in that area. Your actual qualification still depends on income, monthly debts, credit history, available funds, property expenses and the overall underwriting result.
FHA financing may be used for eligible borrowers, properties and transactions throughout Utah. The applicable mortgage limit is determined by the property's location and number of residential units, while the property itself must also satisfy applicable FHA requirements.
There are two common reasons. Multiple lower-cost counties may all use FHA's national floor, while counties within the same applicable Metropolitan Statistical Area can also share a limit. FHA publishes its forward mortgage limits by county and MSA each year.
Use the statewide loan-limit table to compare all Utah counties and one- through four-unit property limits, then review your qualification and estimated monthly payment.
Your Utah FHA Starting Point
The county limit is only the starting point. Your actual FHA buying range depends on income, monthly debts, credit, available funds, property expenses and the specific home you are considering.
Victor Emmel | NMLS #133605 | Coast2Coast Mortgage, LLC | NMLS #376205 | Equal Housing Lender. Information is for educational purposes only and is not a commitment to lend. Loan approval is subject to borrower qualification, property eligibility, underwriting requirements and applicable program guidelines.