FHA Loan Limits Utah 2026: Limits for All 29 Counties
FHA loan limits Utah 2026 vary by county and by the number of residential units in the property. For FHA case numbers assigned in 2026, the national one-unit FHA floor is $541,287. Higher-cost Utah counties have larger FHA mortgage limits, including Summit and Wasatch counties.
If you are buying a home with FHA financing, knowing the limit for the county where the property is located can help you determine whether FHA financing fits your purchase.
Daniel Paris | UtahLowRate.com | 801-604-4949
27+ Years of Mortgage Lending Experience
Quick Answer: FHA Loan Limits Utah 2026
For 2026, FHA loan limits in Utah start at $541,287 for a one-unit property in counties using the national FHA floor.
Several Utah housing markets have higher limits. Examples include:
| Utah Area | 2026 One-Unit FHA Limit |
|---|---|
| National FHA Floor | $541,287 |
| Salt Lake County | $637,100 |
| Utah County | $601,450 |
| Washington County | $607,200 |
| Davis County | $744,050 |
| Weber County | $744,050 |
| Morgan County | $744,050 |
| Summit County | $1,163,800 |
| Wasatch County | $1,163,800 |
FHA limits also increase for eligible duplexes, triplexes and fourplexes.
Because limits can change each year, verify the applicable county and property type before structuring an FHA transaction.
Check official FHA mortgage limits with HUD.
FHA Loan Limits Utah 2026: Key Facts
- 2026 national one-unit FHA floor: $541,287
- 2026 national one-unit high-cost ceiling: $1,249,125
- Utah county limits vary based on local housing costs
- The property location determines the applicable county limit
- Separate limits apply to one-, two-, three- and four-unit properties
- FHA loan limits restrict the base mortgage amount, not necessarily the home's purchase price
- FHA financing generally requires the property to be a primary residence
- Limits apply to FHA case numbers assigned during calendar year 2026
How FHA Loan Limits Work in Utah
FHA does not use one mortgage limit for every Utah property.
Instead, FHA calculates limits by geographic area. Higher-cost housing markets can receive limits above the nationwide FHA floor.
That is why an eligible property in Park City or Heber City may have a much higher FHA limit than a property located in a Utah county using the national floor.
HUD updates FHA limits annually.
The applicable limit depends mainly on:
Property county. The property's location determines the geographic limit.
Number of units. Different limits apply to one-, two-, three- and four-unit residential properties.
Year of the FHA case number. These limits apply to FHA case numbers assigned during 2026.
For official federal information, visit the HUD FHA mortgage limits resource.
2026 FHA Loan Limits for Utah Counties
Utah has 29 counties, and FHA limits are not identical across the state.
Many counties use the national FHA floor. Others receive higher limits because of local housing costs.
When purchasing a home, always use the limit for the county where the home is located, not the county where you currently live.
For borrowers purchasing a one-unit property, several of the most frequently searched Utah county limits are shown below.
Salt Lake County FHA Loan Limit for 2026
The 2026 one-unit FHA loan limit in Salt Lake County is $637,100.
This limit can apply to qualifying FHA purchases throughout communities including:
Salt Lake City, Holladay, Millcreek, Murray, Cottonwood Heights, Sandy, Draper, Midvale, South Jordan, West Jordan, Riverton, Herriman, Bluffdale, Taylorsville and South Salt Lake.
For more local FHA information, see:
Why the Salt Lake County FHA Limit Matters
The county limit establishes the maximum base FHA mortgage amount available for the applicable property type.
It does not automatically establish your maximum purchase price.
Your actual qualification also depends on income, debts, credit, down payment, mortgage insurance, property eligibility and underwriting.
Utah County FHA Loan Limit for 2026
The 2026 one-unit FHA loan limit in Utah County is $601,450.
The Utah County limit applies to qualifying properties in communities such as:
Provo, Orem, Lehi, Alpine, Highland, American Fork, Pleasant Grove, Saratoga Springs, Eagle Mountain, Spanish Fork, Springville and Payson.
Learn more about local FHA options:
Davis and Weber County FHA Loan Limits for 2026
The 2026 one-unit FHA loan limit is $744,050 in both Davis County and Weber County.
These higher limits can be helpful to borrowers considering eligible homes along the northern Wasatch Front.
Communities include Layton, Clearfield, Farmington, Bountiful, Kaysville, Ogden, North Ogden, South Ogden and Roy.
Related FHA guides:
Washington County FHA Loan Limit for 2026
The 2026 one-unit FHA loan limit in Washington County is $607,200.
This includes qualifying properties in:
St. George, Washington, Ivins, Santa Clara, Hurricane, La Verkin and surrounding Washington County communities.
Southern Utah buyers can learn more here:
Summit County FHA Loan Limit for 2026
The 2026 one-unit FHA loan limit in Summit County is $1,163,800.
Summit County's higher housing costs result in a substantially larger FHA limit than Utah counties using the national floor.
This may be relevant for eligible owner-occupied properties in areas including:
Park City, Deer Valley, Canyons Village, Old Town, Kimball Junction, Jeremy Ranch, Pinebrook, Summit Park and surrounding Summit County communities.
Read:
Wasatch County FHA Loan Limit for 2026
The 2026 one-unit FHA loan limit in Wasatch County is $1,163,800.
Wasatch County includes higher-cost housing markets such as:
Heber City, Midway, Jordanelle and surrounding Wasatch Back communities.
For more information:
FHA Loan Limits for Duplexes, Triplexes and Fourplexes
FHA financing is not limited to single-family homes.
Eligible borrowers may potentially use FHA financing to purchase an owner-occupied property containing up to four residential units.
FHA establishes separate loan limits for:
- One-unit properties
- Two-unit properties
- Three-unit properties
- Four-unit properties
The limits become higher as the number of units increases.
This can make FHA financing especially important for buyers considering an owner-occupied duplex, triplex or fourplex.
For example, a qualified buyer may potentially purchase a duplex, occupy one unit as a primary residence and use eligible rental income from the additional unit for mortgage qualification when FHA requirements are satisfied.
Learn more:
FHA Loan Limit vs. Home Purchase Price
An FHA loan limit and a home's purchase price are not the same thing.
The FHA county limit generally controls the maximum FHA base mortgage available for the applicable property.
It does not necessarily cap the price of the property you can buy.
For example, a buyer could potentially purchase a home above the county FHA loan limit by contributing a larger down payment, provided the borrower, property and transaction meet applicable FHA and lender requirements.
Example
Assume the FHA limit for the applicable property is lower than the home's purchase price.
The buyer may be able to cover the difference with additional funds rather than financing the entire amount through FHA.
Whether that strategy works depends on the complete transaction.
Does a Higher FHA County Limit Mean You Automatically Qualify?
No.
The county limit establishes a program maximum. It does not mean every borrower automatically qualifies for that amount.
Mortgage qualification may consider:
- Income
- Employment
- Credit history
- Credit scores
- Monthly debts
- Debt-to-income ratio
- Down payment
- Gift funds
- Assets
- Property taxes
- Homeowners insurance
- FHA mortgage insurance
- Property eligibility
- Appraisal
- Occupancy
- Other underwriting requirements
Your practical buying power may therefore be below the FHA county limit.
FHA Down Payment and the 2026 Loan Limits
Qualified FHA borrowers meeting applicable credit and underwriting requirements may potentially purchase with a 3.5% minimum down payment.
The FHA loan limit is separate from the minimum down-payment requirement.
For example, knowing that your county allows a certain maximum base loan amount does not remove the need to meet FHA requirements for credit, income, assets and the borrower's required investment.
Gift funds may also be available from eligible sources when FHA documentation requirements are met.
FHA Loan Limits Utah 2026 vs. Conventional Loan Limits
FHA and conventional mortgages do not use exactly the same loan-limit system.
A property or borrower who fits within an FHA county limit may also qualify for conventional financing, but the costs and qualification rules can be different.
Important differences can include:
| Feature | FHA | Conventional |
|---|---|---|
| Government insured | Yes | No |
| County loan limits | Yes | Conforming limits apply |
| Low down payment | Available | Available |
| Mortgage insurance | Generally applies | Depends on transaction |
| Credit flexibility | Can be more flexible | Guidelines differ |
| Primary residence | Standard FHA purchase use | Primary, second home or investment options may exist |
| 2–4 units | Potentially eligible | Potentially eligible |
Compare Utah's conventional limits here:
2026 Conventional Loan Limits Utah
You can also compare the two programs directly:
Why FHA Loan Limits Vary by County
Housing costs differ significantly across Utah.
A home in Park City or the Wasatch Back may cost much more than a similar home in another part of the state.
FHA uses statutory calculations tied to area home prices and the national conforming loan limit to establish annual mortgage limits.
As a result, higher-cost markets may receive FHA limits above the national floor.
That explains why Summit and Wasatch counties have much higher limits than many rural Utah counties.
HUD publishes updated limits each year.
Search current FHA mortgage limits directly with HUD.
How to Find Your FHA Loan Limit
Finding the correct limit begins with the property.
Step 1: Identify the Utah county
Use the county where the property is physically located.
Step 2: Determine the number of units
Identify whether the property has one, two, three or four residential units.
Step 3: Check the applicable calendar year
For this page, the limits apply to FHA case numbers assigned in 2026.
Step 4: Verify the official HUD limit
Because loan guidelines and limits may be updated, verify the limit before structuring your transaction.
Step 5: Compare the limit with your qualification
The county maximum and your personal mortgage qualification are two different numbers.
Your income, debts, credit, down payment and proposed monthly payment determine what you may actually qualify to borrow.
FHA Loan Limits Throughout Utah
UtahLowRate.com helps borrowers evaluate FHA financing throughout all 29 Utah counties, including:
Beaver, Box Elder, Cache, Carbon, Daggett, Davis, Duchesne, Emery, Garfield, Grand, Iron, Juab, Kane, Millard, Morgan, Piute, Rich, Salt Lake, San Juan, Sanpete, Sevier, Summit, Tooele, Uintah, Utah, Wasatch, Washington, Wayne and Weber Counties.
Whether you're buying along the Wasatch Front, in Southern Utah, the Wasatch Back or a rural Utah community, the correct FHA county limit should be verified early in the mortgage process.
Frequently Asked Questions About FHA Loan Limits Utah 2026
What are the FHA loan limits in Utah for 2026?
FHA loan limits in Utah vary by county and property-unit count. For 2026, the national FHA floor for a one-unit property is $541,287. Several higher-cost Utah counties have larger limits.
What is the 2026 FHA loan limit in Salt Lake County?
The one-unit FHA loan limit in Salt Lake County for 2026 is $637,100.
What is the 2026 FHA loan limit in Utah County?
The one-unit FHA loan limit in Utah County for 2026 is $601,450.
What is the FHA loan limit in Washington County in 2026?
The one-unit FHA loan limit in Washington County for 2026 is $607,200.
What is the FHA loan limit in Summit County?
The 2026 one-unit FHA loan limit in Summit County is $1,163,800.
What is the FHA loan limit in Wasatch County?
The 2026 one-unit FHA loan limit in Wasatch County is $1,163,800.
What is the FHA loan limit in Davis County?
The 2026 one-unit FHA loan limit in Davis County is $744,050.
What is the FHA loan limit in Weber County?
The 2026 one-unit FHA loan limit in Weber County is $744,050.
What is the national FHA loan limit for 2026?
The national FHA floor for a one-unit property is $541,287 for 2026. The national one-unit high-cost ceiling is $1,249,125.
Does the FHA loan limit equal the maximum purchase price?
No. The limit generally controls the FHA base loan amount rather than the property's maximum purchase price. A borrower may potentially buy above the applicable FHA limit with a larger down payment when the transaction otherwise meets FHA requirements.
Are FHA loan limits higher for duplexes?
Yes. FHA has separate and higher limits for qualifying two-, three- and four-unit residential properties.
Can I use an FHA loan to buy a duplex in Utah?
Potentially. FHA financing may be available for an eligible 2–4 unit property when the borrower occupies the property as required and meets applicable FHA and lender guidelines.
Do FHA loan limits change every year?
They can. FHA publishes mortgage limits annually based on federal requirements and housing-price data.
Is the FHA limit based on where I currently live?
No. The applicable limit is based on the location of the property being financed.
Does qualifying under the FHA county limit guarantee approval?
No. The loan limit is only one part of qualification. Credit, income, debts, assets, down payment, appraisal, property eligibility and underwriting requirements also apply.
Check Your 2026 Utah FHA Loan Limit
Not sure which FHA limit applies to the property you want to purchase?
I can help you review the county limit, estimated loan amount, down payment and available FHA financing options.
Daniel Paris
Utah Mortgage Broker
UtahLowRate.com
801-604-4949
27+ Years of Mortgage Lending Experience
FHA Resources
2026 Conventional Loan Limits Utah
Official HUD FHA Mortgage Limits
Last Updated: September 2026
2026 FHA loan limits shown on this page apply to applicable FHA forward mortgages for FHA case numbers assigned during calendar year 2026 and are subject to HUD rules and updates. Mortgage rates, APRs, fees, credit requirements, mortgage insurance, loan limits, property requirements and program guidelines can change. All loans are subject to borrower qualification, documentation, acceptable property, appraisal, FHA and lender requirements and final underwriting approval. Information is provided for educational purposes and is not an offer, approval, guarantee or commitment to lend.
