FHA Loan Limits in Graham County, Arizona (2026)
From Graham County, FHA buyers in Graham 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 Graham County to the edges of Graham 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 Graham County?
Homes around Graham County carry an estimated local median near $499,000, so an FHA buyer in Graham County puts down about $17,465 (3.5%). With Arizona's 0.62% effective property-tax rate, the all-in payment runs near $3,612 a month — comfortable on household income around $140,000, above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in Graham County
FHA payments across Graham County price points — from entry homes near Graham County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $359,000 | $12,565 | $2,631 |
| Local median — $499,000 | $17,465 | $3,612 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near Graham County too — get notified.
First-time buyers make up much of FHA activity in Graham County and across Graham County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $17,465 needed on a median Graham County home.
Multi-unit FHA limits in Graham County
Graham County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Graham County can live in one unit and rent the rest to offset the mortgage.
Stay Ahead of FHA Rule Changes
One quick signup and we keep you posted on FHA rate drops, new programs, and requirement changes.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Graham County for 2026?
- In Graham County (Graham 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 Graham County with FHA?
- For a median-priced ($499,000) Graham County home, plan on income around $140,000 at a 31% housing ratio — about $3,612/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Graham County?
- 3.5% with a 580+ score — roughly $17,465 on a $499,000 Graham County-area home. Gift funds are allowed.
- Is Graham County a high-cost FHA area?
- No — Graham County uses the $541,287 national floor for one unit.