FHA Loan Limits in Utah (2026)
For 2026, the FHA loan limit in most Utah counties is $541,287 for a single-family home. 2 higher-cost Utah counties carry larger limit, up to $1,249,125.
FHA loan limits by county in Utah
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Salt Lake County | $766,550 | $981,396 | $1,474,326 | High-cost |
| Weber County | $541,287 | $692,997 | $1,041,072 | Standard |
| Utah County | $541,287 | $692,997 | $1,041,072 | Standard |
| Davis County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cache County | $541,287 | $692,997 | $1,041,072 | Standard |
| Tooele County | $541,287 | $692,997 | $1,041,072 | Standard |
| Box Elder County | $541,287 | $692,997 | $1,041,072 | Standard |
| Iron County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wasatch County | $541,287 | $692,997 | $1,041,072 | Standard |
| Uintah County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sanpete County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sevier County | $541,287 | $692,997 | $1,041,072 | Standard |
| Carbon County | $541,287 | $692,997 | $1,041,072 | Standard |
| Duchesne County | $541,287 | $692,997 | $1,041,072 | Standard |
| San Juan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Washington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Summit County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
Utah's median home price is roughly $530,000. With 3.5% down, an example FHA payment near that price is about $4,041/month including MIP, taxes, and insurance.
Buying with an FHA loan in Utah
FHA loans are popular with first-time buyers in Utah because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Utah for 2026?
- Most Utah counties use the national FHA floor of $541,287 for a one-unit home. High-cost Utah counties go higher, up to the ceiling of $1,249,125.
- What credit score do I need for an FHA loan in Utah?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.