FHA Loan Limits in Salt Lake County, Utah (2026)
In Salt Lake County — anchored by Salt Lake County — the 2026 FHA loan limit for a single-family home is $766,550. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $766,550 |
| Two-unit (duplex) | $981,396 |
| Three-unit (triplex) | $1,186,346 |
| Four-unit (fourplex) | $1,474,326 |
From Salt Lake County to the edges of Salt Lake County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Weber and Washington Counties.
Affording a home in Salt Lake County & Salt Lake County
An FHA buyer near Salt Lake County faces an estimated $560,000 median, a $19,600 down payment, and — after Utah's 0.57% property tax — a monthly cost around $4,016. That suits household income of roughly $155,000, above Utah's $86,833 median household income, so budget carefully.
FHA payment scenarios in Salt Lake County
Whether you are buying in Salt Lake County or a smaller Salt Lake 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 — $403,000 | $14,105 | $2,923 |
| Local median — $560,000 | $19,600 | $4,016 |
| At the FHA limit — $766,550 | $26,829 | $5,454 |
Estimates include FHA MIP plus Utah property taxes and insurance. Rates move daily near Salt Lake County too — get notified.
First-time buyers make up much of FHA activity in Salt Lake County and across Salt Lake County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $19,600 needed on a median Salt Lake County home.
Multi-unit FHA limits in Salt Lake County
Investors and house-hackers in Salt Lake County and across Salt Lake County can finance 2-4 unit homes with FHA at just 3.5% down: $981,396 for a duplex, $1,186,346 for a triplex, and $1,474,326 for a fourplex.
Be First to Know When FHA Rates Move
We track HUD and FHA so you can move at the right moment — free, no pressure.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Salt Lake County for 2026?
- In Salt Lake County (Salt Lake County), the 2026 FHA limit is $766,550 for one unit, $981,396 for a duplex, $1,186,346 for a triplex, and $1,474,326 for a fourplex.
- What income do I need to buy in Salt Lake County with FHA?
- For a median-priced ($560,000) Salt Lake County home, plan on income around $155,000 at a 31% housing ratio — about $4,016/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Salt Lake County?
- 3.5% with a 580+ score — roughly $19,600 on a $560,000 Salt Lake County-area home. Gift funds are allowed.
- Is Salt Lake County a high-cost FHA area?
- Yes — Salt Lake County's $766,550 one-unit limit tops the $541,287 national floor.