FHA Loan Limits in Cache County, Utah (2026)
Cache County and the rest of Cache County, Utah fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the Mountain West.
| 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 |
Every community in Cache County — Cache County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Salt Lake and Weber Counties.
How much home can you afford in Cache County?
With Cache County's median sale price estimated near $512,000 (think Cache County), the FHA down payment is roughly $17,920. Factoring Utah property taxes near 0.57%, expect about $3,682 monthly, pointing to income near $143,000 — above Utah's $86,833 median household income, so budget carefully.
FHA payment scenarios in Cache County
Whether you are buying in Cache County or a smaller Cache 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 — $369,000 | $12,915 | $2,686 |
| Local median — $512,000 | $17,920 | $3,682 |
| At the FHA limit — $541,287 | $18,945 | $3,886 |
Estimates include FHA MIP plus Utah property taxes and insurance. Rates move daily near Cache County too — get notified.
Buyers across Cache County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $17,920 down payment near Cache County into little out of pocket.
Multi-unit FHA limits in Cache County
Investors and house-hackers in Cache County and across Cache 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 Cache County for 2026?
- In Cache County (Cache 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 Cache County with FHA?
- For a median-priced ($512,000) Cache County home, plan on income around $143,000 at a 31% housing ratio — about $3,682/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cache County?
- 3.5% with a 580+ score — roughly $17,920 on a $512,000 Cache County-area home. Gift funds are allowed.
- Is Cache County a high-cost FHA area?
- No — Cache County uses the $541,287 national floor for one unit.