FHA Loan Limits in Gila County, Arizona (2026)
In Gila County — anchored by Gila County — the 2026 FHA loan limit for a single-family home is $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 Gila County to the edges of Gila County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Maricopa and Pima Counties.
Affording a home in Gila County & Gila County
An FHA buyer near Gila County faces an estimated $470,000 median, a $16,450 down payment, and — after Arizona's 0.62% property tax — a monthly cost around $3,409. That suits household income of roughly $132,000, above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in Gila County
Whether you are buying in Gila County or a smaller Gila 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 — $338,000 | $11,830 | $2,484 |
| Local median — $470,000 | $16,450 | $3,409 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near Gila County too — get notified.
First-time buyers make up much of FHA activity in Gila County and across Gila County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $16,450 needed on a median Gila County home.
Multi-unit FHA limits in Gila County
Investors and house-hackers in Gila County and across Gila 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 Gila County for 2026?
- In Gila County (Gila 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 Gila County with FHA?
- For a median-priced ($470,000) Gila County home, plan on income around $132,000 at a 31% housing ratio — about $3,409/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Gila County?
- 3.5% with a 580+ score — roughly $16,450 on a $470,000 Gila County-area home. Gift funds are allowed.
- Is Gila County a high-cost FHA area?
- No — Gila County uses the $541,287 national floor for one unit.