FHA Loan Limits in Carbon County, Utah (2026)
In Carbon County — anchored by Carbon 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 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 Carbon County — Carbon County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Salt Lake and Weber Counties.
Affording a home in Carbon County & Carbon County
An FHA buyer near Carbon County faces an estimated $476,000 median, a $16,660 down payment, and — after Utah's 0.57% property tax — a monthly cost around $3,431. That suits household income of roughly $133,000, above Utah's $86,833 median household income, so budget carefully.
FHA payment scenarios in Carbon County
Here is what an FHA payment looks like at three Carbon County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $343,000 | $12,005 | $2,505 |
| Local median — $476,000 | $16,660 | $3,431 |
| At the FHA limit — $541,287 | $18,945 | $3,886 |
Estimates include FHA MIP plus Utah property taxes and insurance. Rates move daily near Carbon County too — get notified.
Buyers across Carbon County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $16,660 down payment near Carbon County into little out of pocket.
Multi-unit FHA limits in Carbon County
Looking at a duplex or fourplex near Carbon County? FHA allows up to $692,997 on two units and $1,041,072 on four in Carbon 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 Carbon County for 2026?
- In Carbon County (Carbon 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 Carbon County with FHA?
- For a median-priced ($476,000) Carbon County home, plan on income around $133,000 at a 31% housing ratio — about $3,431/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Carbon County?
- 3.5% with a 580+ score — roughly $16,660 on a $476,000 Carbon County-area home. Gift funds are allowed.
- Is Carbon County a high-cost FHA area?
- No — Carbon County uses the $541,287 national floor for one unit.