FHA loan limits in Arizona 2026 — all 15 counties.

What are FHA loan limits?

FHA limits are the maximum loan amounts HUD will insure in a given county for a given property type. They are set each December for the following year, based on FHFA's conforming loan limit baseline and local median home prices.

If your purchase price is $600,000 and your county limit is $524,225, you cannot use FHA financing to cover the gap. You would need to either bring more cash down (at least $75,775 plus the standard 3.5% of the loan amount) or switch to a conventional or jumbo product.

In practice, most Arizona buyers are not hitting the limit. The median single-family home price in Maricopa County is well below the floor, so FHA financing works cleanly for the majority of first-time buyers in the Phoenix metro area.

2-to-4-unit property limits

FHA lets you buy a 2-, 3-, or 4-unit property as a first-time buyer — as long as you live in one unit. Multi-unit limits are higher than single-family to account for the larger loan needed. Here are the 2026 floor limits that apply in most Arizona counties:

Units	2026 FHA floor limit (most AZ counties)
1-unit	$524,225
2-unit (duplex)	$671,200
3-unit (triplex)	$811,275
4-unit (fourplex)	$1,008,300

Buying a duplex with FHA is a legitimate house-hacking strategy. You live in one unit, rent the other, and can use projected rent income to help qualify — up to 75% of the market rent on the non-occupied unit counts toward your gross income for qualifying purposes.

Coconino County has higher multi-unit limits in proportion to its single-family limit. Contact us for the current figures if you are buying a multi-unit property in Flagstaff or Sedona.

What the limit means for your purchase

The limit applies to the loan amount — not the purchase price. You can buy a $560,000 home with an FHA loan in Maricopa County. You just cannot borrow more than $524,225. The math: $560,000 purchase × 3.5% = $19,600 standard FHA down payment. But $560,000 − $19,600 = $540,400 — which exceeds the limit.

To buy a $560,000 home with FHA in a floor-limit county, you would need to increase your down payment until the loan amount falls at or below $524,225. That means putting down $35,775 (about 6.4%). Alternatively, you could switch to a conventional loan, which has a higher conforming limit.

For buyers shopping in the $400,000–$480,000 range — which covers a wide band of Phoenix metro inventory — the FHA limit is not the binding constraint. Credit score, debt-to-income ratio, and down payment are more likely the limiting factors.

When the limit is not your constraint

Most first-time buyers in Arizona are not hitting the FHA limit. Here is a quick reality check:

Purchase price	Standard 3.5% down	Loan amount	At limit?
$300,000	$10,500	$289,500	No — $234K under limit
$380,000	$13,300	$366,700	No — $157K under limit
$450,000	$15,750	$434,250	No — $90K under limit
$520,000	$18,200	$501,800	No — $22K under limit
$545,000	$19,075	$525,925	Yes — exceeds limit by $1,700

The median new listing in Maricopa County is typically in the $380,000–$440,000 range — well inside the FHA envelope. If you are buying in that range, the limit is not holding you back. The conversation to have is about FICO score, debt-to-income, and which DPA program fits your situation.

Common questions about FHA loan limits in Arizona

What is the FHA loan limit in Maricopa County for 2026?

Maricopa County (the Phoenix metro — Phoenix, Scottsdale, Mesa, Chandler, Gilbert, Tempe, Peoria) sits at the national FHA floor. For 2025, that floor is $524,225 for a single-family home. The 2026 figure follows the same pattern; verify at HUD's lookup tool if you are writing an offer near that number.

What is the FHA loan limit in Pima County (Tucson) for 2026?

Pima County is at the floor — $524,225 for a single-family home (2025 baseline). Tucson home prices remain well below that ceiling in most neighborhoods, so FHA borrowers there are rarely constrained by the limit.

Does Coconino County (Flagstaff) have a higher FHA limit?

Yes — Coconino County is classified as a high-cost area due to Flagstaff home prices. The limit is above the $524,225 floor. Contact me for the current figure; it updates each December and I confirm the new number before advising buyers on purchase price ceilings.

What if my purchase price exceeds the FHA limit?

You can still buy the home — you just need a larger down payment so the loan amount does not exceed the limit. Or you can switch to a conventional loan, which has a higher conforming limit ($806,500 for most of the country in 2025). In most Arizona markets, conventional is a clean option if you have 5–10% to put down and a 620+ FICO.

Do FHA limits apply to condos?

Yes — the same county limits apply to FHA-approved condominiums. The condo complex itself also needs to be on HUD's approved list. Spot approvals are available in some cases. I pull the approved list before showing condo options to buyers using FHA financing.