FHA Loan Limits in Tooele County, Utah (2026)
Tooele County and the rest of Tooele 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 Tooele County — Tooele 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 Tooele County?
An FHA buyer near Tooele County faces an estimated $595,000 median, a $18,945 down payment, and — after Utah's 0.57% property tax — a monthly cost around $3,886. That suits household income of roughly $150,000, above Utah's $86,833 median household income, so budget carefully.
FHA payment scenarios in Tooele County
Whether you are buying in Tooele County or a smaller Tooele 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 — $428,000 | $14,980 | $3,097 |
| Local median — $541,287 | $18,945 | $3,886 |
| At the FHA limit — $541,287 | $18,945 | $3,886 |
Estimates include FHA MIP plus Utah property taxes and insurance. Rates move daily near Tooele County too — get notified.
Buyers across Tooele County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,945 down payment near Tooele County into little out of pocket.
Multi-unit FHA limits in Tooele County
Investors and house-hackers in Tooele County and across Tooele 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 Tooele County for 2026?
- In Tooele County (Tooele 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 Tooele County with FHA?
- For a median-priced ($541,287) Tooele County home, plan on income around $150,000 at a 31% housing ratio — about $3,886/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Tooele County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Tooele County-area home. Gift funds are allowed.
- Is Tooele County a high-cost FHA area?
- No — Tooele County uses the $541,287 national floor for one unit.