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 $541,287, you cannot use FHA financing to cover the gap. You would need to either bring more cash down (at least $58,713 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	$541,287
2-unit (duplex)	$693,050
3-unit (triplex)	$837,700
4-unit (fourplex)	$1,041,125

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 $580,000 home with an FHA loan in Maricopa County. You just cannot borrow more than $557,750. The math: $580,000 purchase × 3.5% = $20,300 standard FHA down payment. But $580,000 − $20,300 = $559,700, which exceeds the limit.

To buy a $580,000 home with FHA in Maricopa County, you would need to increase your down payment until the loan amount falls at or below $557,750. That means putting down $22,250 (about 3.8%). Alternatively, you could switch to a conventional loan, which carries a higher 2026 conforming limit of $832,750.

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 — $256.7K under limit
$380,000	$13,300	$366,700	No — $179.6K under limit
$450,000	$15,750	$434,250	No — $112K under limit
$520,000	$18,200	$501,800	No — $44.5K under limit
$570,000	$19,950	$550,050	Yes — exceeds limit by $3,800

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

Frequently asked questions

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

The 2026 FHA loan limit in Maricopa County is $557,750 for a single-family home. The Phoenix metro (Phoenix, Scottsdale, Mesa, Chandler, Gilbert, Tempe, Peoria) runs just above the national FHA floor, so that one figure covers the whole county. Verify it at HUD's lookup tool before writing an offer near that number, since limits update each December.

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

Pima County's 2026 FHA loan limit is $541,287 for a single-family home, the national floor. Tucson home prices sit well below that ceiling in most neighborhoods, so FHA borrowers there are rarely constrained by the limit. If you are buying a higher-priced property, a conventional loan with its 2026 conforming limit of $832,750 gives you more room.

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

Yes. Coconino County is classified as a high-cost area because of Flagstaff and Sedona home prices, so its 2026 FHA limit is $609,500, above the $541,287 statewide floor. HUD sets the exact figure each December based on local median prices. Contact us to confirm the current Coconino number before you start writing offers, since it gives you more borrowing room than a floor county.

How much down payment do I need on an FHA loan in Arizona?

FHA requires 3.5% down with a credit score of 580 or higher. On a $400,000 Phoenix home, that is $14,000. Scores of 500 to 579 require 10% down. FHA also charges a 1.75% upfront mortgage insurance premium, and most lenders look for a debt-to-income ratio under 43%. Arizona down payment assistance like Home Plus can cover the 3.5%.

What if my purchase price exceeds the FHA limit?

You can still buy the home, but you cannot borrow more than the $541,287 FHA limit in a floor county (or $557,750 in Maricopa and Pinal). Bring a larger down payment so the loan amount falls at or below the limit, or switch to a conventional loan, which carries a higher 2026 conforming limit of $832,750. In most Arizona markets, conventional works cleanly with 5% to 10% down and a 620 FICO.

Can I use Arizona down payment assistance with an FHA loan at the limit?

Yes. Home Plus offers up to 5% statewide (4% plus 1% for Active Duty and Veterans) and works with FHA, VA, USDA, and conventional loans; Home Plus requires 620 and Home in Five requires 640. In Maricopa County, Home in Five adds up to 6.5%. DPA programs do not stack with each other, so you pick one. Your combined first mortgage plus DPA second must stay within the FHA county limit.