FHA Loan Limits in Summit County, Utah (2026)
In Summit County — anchored by Summit County — the 2026 FHA loan limit for a single-family home is $1,249,125. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,249,125 |
| Two-unit (duplex) | $1,599,225 |
| Three-unit (triplex) | $1,933,200 |
| Four-unit (fourplex) | $2,402,475 |
From Summit County to the edges of Summit County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Salt Lake and Weber Counties.
Affording a home in Summit County & Summit County
An FHA buyer near Summit County faces an estimated $1,200,000 median, a $42,000 down payment, and — after Utah's 0.57% property tax — a monthly cost around $8,472. That suits household income of roughly $328,000, above Utah's $86,833 median household income, so budget carefully.
FHA payment scenarios in Summit County
FHA payments across Summit County price points — from entry homes near Summit County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $864,000 | $30,240 | $6,133 |
| Local median — $1,200,000 | $42,000 | $8,472 |
| At the FHA limit — $1,249,125 | $43,719 | $8,814 |
Estimates include FHA MIP plus Utah property taxes and insurance. Rates move daily near Summit County too — get notified.
First-time buyers make up much of FHA activity in Summit County and across Summit County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $42,000 needed on a median Summit County home.
Multi-unit FHA limits in Summit County
Summit County's 2026 multi-unit FHA limits reach $1,599,225 (duplex), $1,933,200 (triplex), and $2,402,475 (fourplex) — so a buyer in Summit County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Summit County for 2026?
- In Summit County (Summit County), the 2026 FHA limit is $1,249,125 for one unit, $1,599,225 for a duplex, $1,933,200 for a triplex, and $2,402,475 for a fourplex.
- What income do I need to buy in Summit County with FHA?
- For a median-priced ($1,200,000) Summit County home, plan on income around $328,000 at a 31% housing ratio — about $8,472/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Summit County?
- 3.5% with a 580+ score — roughly $42,000 on a $1,200,000 Summit County-area home. Gift funds are allowed.
- Is Summit County a high-cost FHA area?
- Yes — Summit County's $1,249,125 one-unit limit tops the $541,287 national floor.