FHA Loan Limits in Davis County, Utah (2026)
Buying in Davis County or elsewhere in Davis County? The 2026 FHA single-family limit across the county 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 |
From Davis County to the edges of Davis County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Salt Lake and Weber Counties.
FHA affordability around Davis County
With Davis County's median sale price estimated near $615,000 (think Davis County), the FHA down payment is roughly $18,945. Factoring Utah property taxes near 0.57%, expect about $3,886 monthly, pointing to income near $150,000 — above Utah's $86,833 median household income, so budget carefully.
FHA payment scenarios in Davis County
FHA payments across Davis County price points — from entry homes near Davis County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $443,000 | $15,505 | $3,201 |
| Local median — $541,287 | $18,945 | $3,886 |
| At the FHA limit — $541,287 | $18,945 | $3,886 |
Estimates include FHA MIP plus Utah property taxes and insurance. Rates move daily near Davis County too — get notified.
First-time buyers make up much of FHA activity in Davis County and across Davis County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,945 needed on a median Davis County home.
Multi-unit FHA limits in Davis County
Davis County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Davis County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Davis County for 2026?
- In Davis County (Davis 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 Davis County with FHA?
- For a median-priced ($541,287) Davis County home, plan on income around $150,000 at a 31% housing ratio — about $3,886/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Davis County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Davis County-area home. Gift funds are allowed.
- Is Davis County a high-cost FHA area?
- No — Davis County uses the $541,287 national floor for one unit.