FHA Loan Limits in Coconino County, Arizona (2026)
Coconino County and the rest of Coconino County, Arizona fall under a 2026 one-unit FHA limit of $541,287. 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 Coconino County to the edges of Coconino County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Maricopa and Pima Counties.
How much home can you afford in Coconino County?
An FHA buyer near Coconino County faces an estimated $560,000 median, a $18,945 down payment, and — after Arizona's 0.62% property tax — a monthly cost around $3,908. That suits household income of roughly $151,000, above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in Coconino County
FHA payments across Coconino County price points — from entry homes near Coconino County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $403,000 | $14,105 | $2,940 |
| Local median — $541,287 | $18,945 | $3,908 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near Coconino County too — get notified.
First-time buyers make up much of FHA activity in Coconino County and across Coconino County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,945 needed on a median Coconino County home.
Multi-unit FHA limits in Coconino County
Coconino County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Coconino 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 Coconino County for 2026?
- In Coconino County (Coconino 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 Coconino County with FHA?
- For a median-priced ($541,287) Coconino County home, plan on income around $151,000 at a 31% housing ratio — about $3,908/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Coconino County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Coconino County-area home. Gift funds are allowed.
- Is Coconino County a high-cost FHA area?
- No — Coconino County uses the $541,287 national floor for one unit.