FHA Loan Limits in San Juan County, Utah (2026)
From San Juan County, FHA buyers in San Juan 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 |
These 2026 limits apply throughout San Juan County, from San Juan County outward, and sit alongside the limits set for neighboring Salt Lake and Weber Counties.
What can you buy with FHA in San Juan County?
An FHA buyer near San Juan County faces an estimated $502,000 median, a $17,570 down payment, and — after Utah's 0.57% property tax — a monthly cost around $3,612. That suits household income of roughly $140,000, above Utah's $86,833 median household income, so budget carefully.
FHA payment scenarios in San Juan County
Here is what an FHA payment looks like at three San Juan County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $361,000 | $12,635 | $2,630 |
| Local median — $502,000 | $17,570 | $3,612 |
| At the FHA limit — $541,287 | $18,945 | $3,886 |
Estimates include FHA MIP plus Utah property taxes and insurance. Rates move daily near San Juan County too — get notified.
In San Juan County and the surrounding San Juan County market, FHA's appeal is the math: $17,570 down on a $502,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in San Juan County
Looking at a duplex or fourplex near San Juan County? FHA allows up to $692,997 on two units and $1,041,072 on four in San Juan 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 San Juan County for 2026?
- In San Juan County (San Juan 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 San Juan County with FHA?
- For a median-priced ($502,000) San Juan County home, plan on income around $140,000 at a 31% housing ratio — about $3,612/month including taxes, insurance, and MIP.
- How much is the FHA down payment in San Juan County?
- 3.5% with a 580+ score — roughly $17,570 on a $502,000 San Juan County-area home. Gift funds are allowed.
- Is San Juan County a high-cost FHA area?
- No — San Juan County uses the $541,287 national floor for one unit.