FHA Loan Limits in Sevier County, Utah (2026)
Sevier County and the rest of Sevier County, Utah fall under a 2026 one-unit FHA limit of $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 |
Every community in Sevier County — Sevier County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Salt Lake and Weber Counties.
How much home can you afford in Sevier County?
An FHA buyer near Sevier County faces an estimated $512,000 median, a $17,920 down payment, and — after Utah's 0.57% property tax — a monthly cost around $3,682. That suits household income of roughly $143,000, above Utah's $86,833 median household income, so budget carefully.
FHA payment scenarios in Sevier County
Whether you are buying in Sevier County or a smaller Sevier 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 — $369,000 | $12,915 | $2,686 |
| Local median — $512,000 | $17,920 | $3,682 |
| At the FHA limit — $541,287 | $18,945 | $3,886 |
Estimates include FHA MIP plus Utah property taxes and insurance. Rates move daily near Sevier County too — get notified.
Buyers across Sevier County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $17,920 down payment near Sevier County into little out of pocket.
Multi-unit FHA limits in Sevier County
Investors and house-hackers in Sevier County and across Sevier 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 Sevier County for 2026?
- In Sevier County (Sevier 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 Sevier County with FHA?
- For a median-priced ($512,000) Sevier County home, plan on income around $143,000 at a 31% housing ratio — about $3,682/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sevier County?
- 3.5% with a 580+ score — roughly $17,920 on a $512,000 Sevier County-area home. Gift funds are allowed.
- Is Sevier County a high-cost FHA area?
- No — Sevier County uses the $541,287 national floor for one unit.