FHA Loan Limits in Maricopa County, Arizona (2026)
Maricopa County and the rest of Maricopa 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 |
These 2026 limits apply throughout Maricopa County, from Maricopa County outward, and sit alongside the limits set for neighboring Pima and Mohave Counties.
How much home can you afford in Maricopa County?
With Maricopa County's median sale price estimated near $460,000 (think Maricopa County), the FHA down payment is roughly $16,100. Factoring Arizona property taxes near 0.62%, expect about $3,339 monthly, pointing to income near $129,000 — above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in Maricopa County
FHA payments across Maricopa County price points — from entry homes near Maricopa County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $331,000 | $11,585 | $2,435 |
| Local median — $460,000 | $16,100 | $3,339 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near Maricopa County too — get notified.
In Maricopa County and the surrounding Maricopa County market, FHA's appeal is the math: $16,100 down on a $460,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Maricopa County
Maricopa County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Maricopa 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 Maricopa County for 2026?
- In Maricopa County (Maricopa 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 Maricopa County with FHA?
- For a median-priced ($460,000) Maricopa County home, plan on income around $129,000 at a 31% housing ratio — about $3,339/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Maricopa County?
- 3.5% with a 580+ score — roughly $16,100 on a $460,000 Maricopa County-area home. Gift funds are allowed.
- Is Maricopa County a high-cost FHA area?
- No — Maricopa County uses the $541,287 national floor for one unit.