FHA Loan Limits in Pima County, Arizona (2026)
Buying in Pima County or elsewhere in Pima County? The 2026 FHA single-family limit across the county 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 |
These 2026 limits apply throughout Pima County, from Pima County outward, and sit alongside the limits set for neighboring Maricopa and Mohave Counties.
FHA affordability around Pima County
Homes around Pima County carry an estimated local median near $335,000, so an FHA buyer in Pima County puts down about $11,725 (3.5%). With Arizona's 0.62% effective property-tax rate, the all-in payment runs near $2,463 a month — comfortable on household income around $95,000, above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in Pima County
Here is what an FHA payment looks like at three Pima County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $241,000 | $8,435 | $1,805 |
| Local median — $335,000 | $11,725 | $2,463 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near Pima County too — get notified.
In Pima County and the surrounding Pima County market, FHA's appeal is the math: $11,725 down on a $335,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Pima County
Looking at a duplex or fourplex near Pima County? FHA allows up to $692,997 on two units and $1,041,072 on four in Pima 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 Pima County for 2026?
- In Pima County (Pima 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 Pima County with FHA?
- For a median-priced ($335,000) Pima County home, plan on income around $95,000 at a 31% housing ratio — about $2,463/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pima County?
- 3.5% with a 580+ score — roughly $11,725 on a $335,000 Pima County-area home. Gift funds are allowed.
- Is Pima County a high-cost FHA area?
- No — Pima County uses the $541,287 national floor for one unit.