FHA Loan Limits in Utah County, Utah (2026)
Utah County and the rest of Utah 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 |
From Utah County to the edges of Utah County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Salt Lake and Weber Counties.
How much home can you afford in Utah County?
An FHA buyer near Utah County faces an estimated $528,000 median, a $18,480 down payment, and — after Utah's 0.57% property tax — a monthly cost around $3,793. That suits household income of roughly $147,000, above Utah's $86,833 median household income, so budget carefully.
FHA payment scenarios in Utah County
Here is what an FHA payment looks like at three Utah County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $380,000 | $13,300 | $2,763 |
| Local median — $528,000 | $18,480 | $3,793 |
| At the FHA limit — $541,287 | $18,945 | $3,886 |
Estimates include FHA MIP plus Utah property taxes and insurance. Rates move daily near Utah County too — get notified.
First-time buyers make up much of FHA activity in Utah County and across Utah County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,480 needed on a median Utah County home.
Multi-unit FHA limits in Utah County
Looking at a duplex or fourplex near Utah County? FHA allows up to $692,997 on two units and $1,041,072 on four in Utah 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 Utah County for 2026?
- In Utah County (Utah 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 Utah County with FHA?
- For a median-priced ($528,000) Utah County home, plan on income around $147,000 at a 31% housing ratio — about $3,793/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Utah County?
- 3.5% with a 580+ score — roughly $18,480 on a $528,000 Utah County-area home. Gift funds are allowed.
- Is Utah County a high-cost FHA area?
- No — Utah County uses the $541,287 national floor for one unit.