2026 FHA Loan Limits in Utah
Loans insured by the Federal Housing Administration (FHA) have more lenient credit requirements than conventional loans, and you can put as little as 3.5% down. But there’s a limit to how much you can borrow. FHA loan limits in Utah vary by county, ranging from $541,287 for single-family homes in most counties to $1,163,800 in expensive areas like Summit and Wasatch counties.
This guide covers how FHA loan limits are determined, how to qualify for an FHA loan in Utah and top local lenders to choose from.
Utah FHA loan limits by county
| County Name | One Unit | Two Units | Three Units | Four Units | Median Sales Price |
|---|---|---|---|---|---|
| BEAVER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $289,000 |
| BOX ELDER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $401,000 |
| CACHE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $425,000 |
| CARBON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $259,000 |
| DAGGETT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $323,000 |
| DAVIS COUNTY | $744,050 | $952,500 | $1,151,400 | $1,430,900 | $520,000 |
| DUCHESNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $297,000 |
| EMERY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $263,000 |
| GARFIELD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $381,000 |
| GRAND COUNTY | $839,500 | $1,074,700 | $1,299,100 | $1,614,450 | $730,000 |
| IRON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $370,000 |
| JUAB COUNTY | $601,450 | $769,950 | $930,700 | $1,156,650 | $523,000 |
| KANE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| MILLARD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $304,000 |
| MORGAN COUNTY | $744,050 | $952,500 | $1,151,400 | $1,430,900 | $520,000 |
| PIUTE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $314,000 |
| RICH COUNTY | $579,600 | $742,000 | $896,900 | $1,114,650 | $433,000 |
| SALT LAKE COUNTY | $637,100 | $815,600 | $985,900 | $1,225,200 | $554,000 |
| SAN JUAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $254,000 |
| SANPETE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $348,000 |
| SEVIER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| SUMMIT COUNTY | $1,163,800 | $1,489,900 | $1,800,950 | $2,238,150 | $1,000,000 |
| TOOELE COUNTY | $637,100 | $815,600 | $985,900 | $1,225,200 | $554,000 |
| UINTAH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $425,000 |
| UTAH COUNTY | $601,450 | $769,950 | $930,700 | $1,156,650 | $523,000 |
| WASATCH COUNTY | $1,163,800 | $1,489,900 | $1,800,950 | $2,238,150 | $1,000,000 |
| WASHINGTON COUNTY | $607,200 | $777,300 | $939,600 | $1,167,700 | $528,000 |
| WAYNE COUNTY | $997,050 | $1,276,400 | $1,542,900 | $1,917,450 | $487,000 |
| WEBER COUNTY | $744,050 | $952,500 | $1,151,400 | $1,430,900 | $520,000 |
How are FHA loan limits determined?
FHA loan limits are determined each year using a formula outlined in the National Housing Act. The formula creates FHA loan limits based on a percentage of the national conforming loan limit for one-unit properties in most areas, currently $832,750 for 2026. As a result, FHA loan limits vary according to the estimated median home price in the area.
There is a “floor,” or the lowest FHA loan limit, which is 65% of the conforming loan limit. There is also a “ceiling,” or the maximum FHA loan limit, set at 150% of the conforming loan limit in most states. For 2026, the FHA loan floor is $541,287, and the ceiling is $1,249,125 for one-unit properties, with loan limits in several Utah counties falling between these amounts.
Alaska, Hawaii, Guam and the U.S. Virgin Islands, designated as special exception areas due to high construction costs, have even higher loan limits of as much as $1,873,675 for a single-family home.
How to qualify for an FHA loan in Utah
FHA loan requirements can be more flexible compared to some other home loan options due to low down payment and credit score requirements. Still, Utah FHA loan borrowers need to be able to meet minimum mortgage requirements, including:
- Minimum 500 credit score: You need to have a minimum 500 credit score to qualify for an FHA loan, though you can qualify for a lower down payment with a 580 credit score or higher.
- Minimum 3.5% down payment: Lenders require you to make a 10% down payment if you have a credit score between 500 and 579. For borrowers with at least a 580 credit score, you may qualify for a 3.5% down payment.
- Maximum 43% debt-to-income (DTI) ratio: Your DTI ratio is the percentage of your monthly income going toward debt payments. While FHA lenders tend to require a DTI ratio that’s 43% or less, there may be some exceptions if you have excellent credit or sufficient cash reserves.
- Home appraisal: FHA lenders require an FHA home appraisal to determine whether the home adheres to safety requirements and to assess the home’s current value.
- Primary residence: To qualify for an FHA loan, at least one borrower must live in the home for a minimum of a year as their primary residence.
- Mortgage insurance: There are two forms of FHA mortgage insurance that protect the lender against default. Borrowers are required to pay upfront mortgage insurance (UFMIP), equal to 1.75% of the loan amount, and annual mortgage insurance premiums (MIP), which range between 0.15% and 0.75% of the loan amount. Annual MIPs are rolled into monthly payments lasting either 11 years or the life of the loan. For new multifamily FHA loans, the upfront and annual MIP is 0.25%.
Buying a multifamily property with an FHA loan
The FHA loan program lets you purchase a two- to four-unit multifamily home with as little as a 3.5% down payment. You’ll need to occupy one of the units as your primary residence, but you can rent the other units and earn extra income to offset your housing costs. You can even use the expected rental income to qualify for the FHA mortgage if your regular income is insufficient. Living on the property while renting out other units is an investment strategy known as house hacking.
The requirements for a multifamily FHA loan are similar to the requirements for a single-family property:
- Primary residence: One of the units needs to be your primary residence for a minimum of one year.
- Credit score: The borrower must have a minimum 580 credit score (or 500 with a 10% down payment). That said, a higher credit score may help you get approved for a larger loan amount if you’re looking to buy a multifamily property.
- DTI: Borrowers should meet DTI requirements of 43% or less.
- Mortgage insurance: You must pay upfront and annual mortgage insurance premiums equal to 0.25% of the loan amount for all multifamily properties. This reflects a 2025 policy change that reduced premiums for multifamily FHA loans.
- Documented rental income: Some lenders may require a signed lease documenting future rental income.
- Cash reserves: You may need cash reserves remaining after you close. If you’re buying a two- to four-unit multifamily home, you’ll need enough cash to cover at least three monthly mortgage payments.
- FHA loan limits: The property needs to fall within FHA loan limits.
Below are the standard FHA loan limits for multifamily properties in Utah:
Note that the limits are higher in counties with more expensive homes, including Summit, Wasatch and Wayne.FHA lenders in Utah
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 |
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