FHA Loan Limits in La Paz County, Arizona (2026)
From La Paz County, FHA buyers in La Paz 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 |
Every community in La Paz County — La Paz County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Maricopa and Pima Counties.
What can you buy with FHA in La Paz County?
An FHA buyer near La Paz County faces an estimated $390,000 median, a $13,650 down payment, and — after Arizona's 0.62% property tax — a monthly cost around $2,848. That suits household income of roughly $110,000, above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in La Paz County
Whether you are buying in La Paz County or a smaller La Paz 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 — $281,000 | $9,835 | $2,085 |
| Local median — $390,000 | $13,650 | $2,848 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near La Paz County too — get notified.
Buyers across La Paz County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $13,650 down payment near La Paz County into little out of pocket.
Multi-unit FHA limits in La Paz County
Investors and house-hackers in La Paz County and across La Paz 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.
Your Free FHA Early-Warning System
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 La Paz County for 2026?
- In La Paz County (La Paz 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 La Paz County with FHA?
- For a median-priced ($390,000) La Paz County home, plan on income around $110,000 at a 31% housing ratio — about $2,848/month including taxes, insurance, and MIP.
- How much is the FHA down payment in La Paz County?
- 3.5% with a 580+ score — roughly $13,650 on a $390,000 La Paz County-area home. Gift funds are allowed.
- Is La Paz County a high-cost FHA area?
- No — La Paz County uses the $541,287 national floor for one unit.