FHA Loan Limits in Pinal County, Arizona (2026)
Pinal County and the rest of Pinal 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 Pinal County, from Pinal County outward, and sit alongside the limits set for neighboring Maricopa and Pima Counties.
How much home can you afford in Pinal County?
Homes around Pinal County carry an estimated local median near $400,000, so an FHA buyer in Pinal County puts down about $14,000 (3.5%). With Arizona's 0.62% effective property-tax rate, the all-in payment runs near $2,919 a month — comfortable on household income around $113,000, above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in Pinal County
Here is what an FHA payment looks like at three Pinal County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $288,000 | $10,080 | $2,134 |
| Local median — $400,000 | $14,000 | $2,919 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near Pinal County too — get notified.
In Pinal County and the surrounding Pinal County market, FHA's appeal is the math: $14,000 down on a $400,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Pinal County
Looking at a duplex or fourplex near Pinal County? FHA allows up to $692,997 on two units and $1,041,072 on four in Pinal 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 Pinal County for 2026?
- In Pinal County (Pinal 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 Pinal County with FHA?
- For a median-priced ($400,000) Pinal County home, plan on income around $113,000 at a 31% housing ratio — about $2,919/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pinal County?
- 3.5% with a 580+ score — roughly $14,000 on a $400,000 Pinal County-area home. Gift funds are allowed.
- Is Pinal County a high-cost FHA area?
- No — Pinal County uses the $541,287 national floor for one unit.