FHA Loan Limits in Apache County, Arizona (2026)
From Apache County, FHA buyers in Apache County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Southwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Apache County to the edges of Apache County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Maricopa and Pima Counties.
What can you buy with FHA in Apache County?
An FHA buyer near Apache County faces an estimated $478,000 median, a $16,730 down payment, and — after Arizona's 0.62% property tax — a monthly cost around $3,465. That suits household income of roughly $134,000, above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in Apache County
FHA payments across Apache County price points — from entry homes near Apache County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $344,000 | $12,040 | $2,526 |
| Local median — $478,000 | $16,730 | $3,465 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near Apache County too — get notified.
First-time buyers make up much of FHA activity in Apache County and across Apache County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $16,730 needed on a median Apache County home.
Multi-unit FHA limits in Apache County
Apache County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Apache County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Apache County for 2026?
- In Apache County (Apache County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Apache County with FHA?
- For a median-priced ($478,000) Apache County home, plan on income around $134,000 at a 31% housing ratio — about $3,465/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Apache County?
- 3.5% with a 580+ score — roughly $16,730 on a $478,000 Apache County-area home. Gift funds are allowed.
- Is Apache County a high-cost FHA area?
- No — Apache County uses the $541,287 national floor for one unit.