Highest FHA limit in Arizona
$609,500
In 2026, FHA one-unit limits in Arizona range from $541,287 to $609,500 (Coconino County). 12 of 15 counties use the national floor.
12 of 15counties at the $541,287 floor
All Arizona counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Coconino County | $609,500 | $780,250 | $1,172,150 | $832,750 |
| Maricopa County | $557,750 | $714,000 | $1,072,600 | $832,750 |
| Pinal County | $557,750 | $714,000 | $1,072,600 | $832,750 |
| Apache County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cochise County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gila County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Graham County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greenlee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| La Paz County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mohave County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Navajo County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pima County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Santa Cruz County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Yavapai County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Yuma County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Arizona for 2026?
In 2026, FHA one-unit limits in Arizona range from $541,287 to $609,500 (Coconino County). 12 of 15 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.