FHA Loan Limits in Yuma County, Arizona (2026)
Yuma County and the rest of Yuma 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 |
From Yuma County to the edges of Yuma County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Maricopa and Pima Counties.
How much home can you afford in Yuma County?
An FHA buyer near Yuma County faces an estimated $260,000 median, a $9,100 down payment, and — after Arizona's 0.62% property tax — a monthly cost around $1,938. That suits household income of roughly $75,000, above Arizona's $72,581 median household income, so budget carefully.
FHA payment scenarios in Yuma County
Whether you are buying in Yuma County or a smaller Yuma County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $187,000 | $6,545 | $1,427 |
| Local median — $260,000 | $9,100 | $1,938 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arizona property taxes and insurance. Rates move daily near Yuma County too — get notified.
First-time buyers make up much of FHA activity in Yuma County and across Yuma County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $9,100 needed on a median Yuma County home.
Multi-unit FHA limits in Yuma County
Investors and house-hackers in Yuma County and across Yuma County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Yuma County for 2026?
- In Yuma County (Yuma 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 Yuma County with FHA?
- For a median-priced ($260,000) Yuma County home, plan on income around $75,000 at a 31% housing ratio — about $1,938/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Yuma County?
- 3.5% with a 580+ score — roughly $9,100 on a $260,000 Yuma County-area home. Gift funds are allowed.
- Is Yuma County a high-cost FHA area?
- No — Yuma County uses the $541,287 national floor for one unit.