Highest FHA limit in Utah
$1,163,800
In 2026, FHA one-unit limits in Utah range from $541,287 to $1,163,800 (Summit County). 16 of 29 counties use the national floor.
16 of 29counties at the $541,287 floor
All Utah counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Summit County | $1,163,800 | $1,489,900 | $2,238,150 | $1,150,000 |
| Wasatch County | $1,163,800 | $1,489,900 | $2,238,150 | $1,150,000 |
| Wayne County | $997,050 | $1,276,400 | $1,917,450 | $997,050 |
| Grand County | $839,500 | $1,074,700 | $1,614,450 | $839,500 |
| Davis County | $744,050 | $952,500 | $1,430,900 | $832,750 |
| Morgan County | $744,050 | $952,500 | $1,430,900 | $832,750 |
| Weber County | $744,050 | $952,500 | $1,430,900 | $832,750 |
| Salt Lake County | $637,100 | $815,600 | $1,225,200 | $832,750 |
| Tooele County | $637,100 | $815,600 | $1,225,200 | $832,750 |
| Washington County | $607,200 | $777,300 | $1,167,700 | $832,750 |
| Juab County | $601,450 | $769,950 | $1,156,650 | $832,750 |
| Utah County | $601,450 | $769,950 | $1,156,650 | $832,750 |
| Rich County | $579,600 | $742,000 | $1,114,650 | $832,750 |
| Beaver County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Box Elder County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cache County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Carbon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Daggett County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Duchesne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Emery County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Garfield County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Iron County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kane County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Millard County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Piute County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| San Juan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sanpete County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sevier County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Uintah 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 Utah for 2026?
In 2026, FHA one-unit limits in Utah range from $541,287 to $1,163,800 (Summit County). 16 of 29 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.