FHA Loan Limits in Iron County, Utah (2026)
From Iron County, FHA buyers in Iron County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Iron County to the edges of Iron County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Salt Lake and Weber Counties.
What can you buy with FHA in Iron County?
With Iron County's median sale price estimated near $455,000 (think Iron County), the FHA down payment is roughly $15,925. Factoring Utah property taxes near 0.57%, expect about $3,285 monthly, pointing to income near $127,000 — above Utah's $86,833 median household income, so budget carefully.
FHA payment scenarios in Iron County
Here is what an FHA payment looks like at three Iron County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $328,000 | $11,480 | $2,401 |
| Local median — $455,000 | $15,925 | $3,285 |
| At the FHA limit — $541,287 | $18,945 | $3,886 |
Estimates include FHA MIP plus Utah property taxes and insurance. Rates move daily near Iron County too — get notified.
First-time buyers make up much of FHA activity in Iron County and across Iron County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $15,925 needed on a median Iron County home.
Multi-unit FHA limits in Iron County
Looking at a duplex or fourplex near Iron County? FHA allows up to $692,997 on two units and $1,041,072 on four in Iron 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 Iron County for 2026?
- In Iron County (Iron 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 Iron County with FHA?
- For a median-priced ($455,000) Iron County home, plan on income around $127,000 at a 31% housing ratio — about $3,285/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Iron County?
- 3.5% with a 580+ score — roughly $15,925 on a $455,000 Iron County-area home. Gift funds are allowed.
- Is Iron County a high-cost FHA area?
- No — Iron County uses the $541,287 national floor for one unit.