FHA Loan Limits in Wasatch County, Utah (2026)
In Wasatch County — anchored by Wasatch County — the 2026 FHA loan limit for a single-family home is $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 |
These 2026 limits apply throughout Wasatch County, from Wasatch County outward, and sit alongside the limits set for neighboring Salt Lake and Weber Counties.
Affording a home in Wasatch County & Wasatch County
With Wasatch County's median sale price estimated near $455,000 (think Wasatch County), the FHA down payment is roughly $15,925. Factoring Utah property taxes near 0.57%, expect about $3,285 monthly, pointing to income near $127,000 — above Utah's $86,833 median household income, so budget carefully.
FHA payment scenarios in Wasatch County
FHA payments across Wasatch County price points — from entry homes near Wasatch County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $328,000 | $11,480 | $2,401 |
| Local median — $455,000 | $15,925 | $3,285 |
| At the FHA limit — $541,287 | $18,945 | $3,886 |
Estimates include FHA MIP plus Utah property taxes and insurance. Rates move daily near Wasatch County too — get notified.
In Wasatch County and the surrounding Wasatch County market, FHA's appeal is the math: $15,925 down on a $455,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Wasatch County
Wasatch County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Wasatch 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 Wasatch County for 2026?
- In Wasatch County (Wasatch 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 Wasatch County with FHA?
- For a median-priced ($455,000) Wasatch County home, plan on income around $127,000 at a 31% housing ratio — about $3,285/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Wasatch County?
- 3.5% with a 580+ score — roughly $15,925 on a $455,000 Wasatch County-area home. Gift funds are allowed.
- Is Wasatch County a high-cost FHA area?
- No — Wasatch County uses the $541,287 national floor for one unit.