FHA Loan Limits in Santa Cruz County, Arizona (2026)
In Santa Cruz County — anchored by Santa Cruz County — the 2026 FHA loan limit for a single-family home 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 Santa Cruz County, from Santa Cruz County outward, and sit alongside the limits set for neighboring Maricopa and Pima Counties.
Affording a home in Santa Cruz County & Santa Cruz County
With Santa Cruz County's median sale price estimated near $399,000 (think Santa Cruz County), the FHA down payment is roughly $13,965. Factoring Arizona property taxes near 0.62%, expect about $2,912 monthly, pointing to income near $113,000 — above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in Santa Cruz County
Here is what an FHA payment looks like at three Santa Cruz County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $287,000 | $10,045 | $2,127 |
| Local median — $399,000 | $13,965 | $2,912 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near Santa Cruz County too — get notified.
In Santa Cruz County and the surrounding Santa Cruz County market, FHA's appeal is the math: $13,965 down on a $399,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Santa Cruz County
Looking at a duplex or fourplex near Santa Cruz County? FHA allows up to $692,997 on two units and $1,041,072 on four in Santa Cruz 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 Santa Cruz County for 2026?
- In Santa Cruz County (Santa Cruz 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 Santa Cruz County with FHA?
- For a median-priced ($399,000) Santa Cruz County home, plan on income around $113,000 at a 31% housing ratio — about $2,912/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Santa Cruz County?
- 3.5% with a 580+ score — roughly $13,965 on a $399,000 Santa Cruz County-area home. Gift funds are allowed.
- Is Santa Cruz County a high-cost FHA area?
- No — Santa Cruz County uses the $541,287 national floor for one unit.