FHA Loan Limits in Cochise County, Arizona (2026)
From Cochise County, FHA buyers in Cochise 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 Cochise County to the edges of Cochise 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 Cochise County?
An FHA buyer near Cochise County faces an estimated $424,000 median, a $14,840 down payment, and — after Arizona's 0.62% property tax — a monthly cost around $3,087. That suits household income of roughly $119,000, above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in Cochise County
Whether you are buying in Cochise County or a smaller Cochise County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $305,000 | $10,675 | $2,253 |
| Local median — $424,000 | $14,840 | $3,087 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near Cochise County too — get notified.
First-time buyers make up much of FHA activity in Cochise County and across Cochise County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $14,840 needed on a median Cochise County home.
Multi-unit FHA limits in Cochise County
Investors and house-hackers in Cochise County and across Cochise County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Cochise County for 2026?
- In Cochise County (Cochise 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 Cochise County with FHA?
- For a median-priced ($424,000) Cochise County home, plan on income around $119,000 at a 31% housing ratio — about $3,087/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cochise County?
- 3.5% with a 580+ score — roughly $14,840 on a $424,000 Cochise County-area home. Gift funds are allowed.
- Is Cochise County a high-cost FHA area?
- No — Cochise County uses the $541,287 national floor for one unit.