FHA Loan Limits in Yavapai County, Arizona (2026)
Buying in Yavapai County or elsewhere in Yavapai 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 Yavapai County, from Yavapai County outward, and sit alongside the limits set for neighboring Maricopa and Pima Counties.
FHA affordability around Yavapai County
An FHA buyer near Yavapai County faces an estimated $449,000 median, a $15,715 down payment, and — after Arizona's 0.62% property tax — a monthly cost around $3,262. That suits household income of roughly $126,000, above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in Yavapai County
FHA payments across Yavapai County price points — from entry homes near Yavapai County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $323,000 | $11,305 | $2,379 |
| Local median — $449,000 | $15,715 | $3,262 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near Yavapai County too — get notified.
In Yavapai County and the surrounding Yavapai County market, FHA's appeal is the math: $15,715 down on a $449,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Yavapai County
Yavapai County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Yavapai County can live in one unit and rent the rest to offset the mortgage.
Your Free FHA Early-Warning System
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Yavapai County for 2026?
- In Yavapai County (Yavapai 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 Yavapai County with FHA?
- For a median-priced ($449,000) Yavapai County home, plan on income around $126,000 at a 31% housing ratio — about $3,262/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Yavapai County?
- 3.5% with a 580+ score — roughly $15,715 on a $449,000 Yavapai County-area home. Gift funds are allowed.
- Is Yavapai County a high-cost FHA area?
- No — Yavapai County uses the $541,287 national floor for one unit.