FHA Loan Limits in Mohave County, Arizona (2026)
From Mohave County, FHA buyers in Mohave 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 Mohave County — Mohave 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 Mohave County?
With Mohave County's median sale price estimated near $330,000 (think Mohave County), the FHA down payment is roughly $11,550. Factoring Arizona property taxes near 0.62%, expect about $2,428 monthly, pointing to income near $94,000 — above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in Mohave County
Here is what an FHA payment looks like at three Mohave County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $238,000 | $8,330 | $1,784 |
| Local median — $330,000 | $11,550 | $2,428 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near Mohave County too — get notified.
Buyers across Mohave County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $11,550 down payment near Mohave County into little out of pocket.
Multi-unit FHA limits in Mohave County
Looking at a duplex or fourplex near Mohave County? FHA allows up to $692,997 on two units and $1,041,072 on four in Mohave County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Mohave County for 2026?
- In Mohave County (Mohave 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 Mohave County with FHA?
- For a median-priced ($330,000) Mohave County home, plan on income around $94,000 at a 31% housing ratio — about $2,428/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Mohave County?
- 3.5% with a 580+ score — roughly $11,550 on a $330,000 Mohave County-area home. Gift funds are allowed.
- Is Mohave County a high-cost FHA area?
- No — Mohave County uses the $541,287 national floor for one unit.