FHA Loan Limits in Duchesne County, Utah (2026)
Buying in Duchesne County or elsewhere in Duchesne 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 Duchesne County to the edges of Duchesne County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Salt Lake and Weber Counties.
FHA affordability around Duchesne County
Homes around Duchesne County carry an estimated local median near $595,000, so an FHA buyer in Duchesne County puts down about $18,945 (3.5%). With Utah's 0.57% effective property-tax rate, the all-in payment runs near $3,886 a month — comfortable on household income around $150,000, above Utah's $86,833 median household income, so budget carefully.
FHA payment scenarios in Duchesne County
Whether you are buying in Duchesne County or a smaller Duchesne 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 — $428,000 | $14,980 | $3,097 |
| 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 Duchesne County too — get notified.
First-time buyers make up much of FHA activity in Duchesne County and across Duchesne 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 Duchesne County home.
Multi-unit FHA limits in Duchesne County
Investors and house-hackers in Duchesne County and across Duchesne 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 Duchesne County for 2026?
- In Duchesne County (Duchesne 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 Duchesne County with FHA?
- For a median-priced ($541,287) Duchesne 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 Duchesne County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Duchesne County-area home. Gift funds are allowed.
- Is Duchesne County a high-cost FHA area?
- No — Duchesne County uses the $541,287 national floor for one unit.