2026 Arizona FHA Loan Limits by County
Guidelines current as of January 1, 2026 (HUD CY2026) — limits reset each January 1.
This is our source-of-truth reference for FHA loan limits in Arizona. The figures below come directly from HUD's CY2026 FHA Forward schedule, effective Thursday, January 1, 2026. We are Cornerstone First Mortgage (NMLS #173855), a direct lender, and we maintain this page so buyers and agents have the correct county numbers in one place. FHA limits change every January 1, so check the date badge above before you rely on any limit you find online.
2026 Arizona FHA Loan Limits — All 15 Counties
Every Arizona county is listed below with one-unit through four-unit limits and the median sale price HUD used. The metro area (MSA) appears next to each county. Counties at the floor share the same $541,287 one-unit limit; only Maricopa, Pinal, and Coconino sit above it.
| County (MSA) | 1-Family | 2-Family | 3-Family | 4-Family | Median Sale Price |
|---|---|---|---|---|---|
| Apache (Non-Metro) | $541,287 | $693,050 | $837,700 | $1,041,125 | $118,000 |
| Cochise (Sierra Vista-Douglas) | $541,287 | $693,050 | $837,700 | $1,041,125 | $235,000 |
| Coconino (Flagstaff) | $609,500 | $780,250 | $943,150 | $1,172,150 | $530,000 |
| Gila (Payson) | $541,287 | $693,050 | $837,700 | $1,041,125 | $335,000 |
| Graham (Safford) | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| Greenlee (Non-Metro) | $541,287 | $693,050 | $837,700 | $1,041,125 | $123,000 |
| La Paz (Non-Metro) | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| Maricopa (Phoenix-Mesa-Chandler) | $557,750 | $714,000 | $863,100 | $1,072,600 | $485,000 |
| Mohave (Lake Havasu City-Kingman) | $541,287 | $693,050 | $837,700 | $1,041,125 | $267,000 |
| Navajo (Show Low) | $541,287 | $693,050 | $837,700 | $1,041,125 | $294,000 |
| Pima (Tucson) | $541,287 | $693,050 | $837,700 | $1,041,125 | $360,000 |
| Pinal (Phoenix-Mesa-Chandler) | $557,750 | $714,000 | $863,100 | $1,072,600 | $485,000 |
| Santa Cruz (Nogales) | $541,287 | $693,050 | $837,700 | $1,041,125 | $275,000 |
| Yavapai (Prescott Valley-Prescott) | $541,287 | $693,050 | $837,700 | $1,041,125 | $425,000 |
| Yuma | $541,287 | $693,050 | $837,700 | $1,041,125 | $268,000 |
Need an authoritative cross-check? HUD publishes the official lookup at HUD's FHA Mortgage Limits tool. Search by state and county and you will land on the same CY2026 figures shown here.
What is an FHA loan limit?
An FHA loan limit is the largest loan amount the Federal Housing Administration will insure for a property in a given county. The limit depends on two things: where the home is and how many units it has. A duplex has a higher limit than a single-family house, and a fourplex higher still. If your loan amount lands at or below the county limit for that property type, FHA financing is on the table. Go above it and you move to conventional or jumbo.
Why most online figures are wrong
FHA limits change every January 1, and a lot of pages never get updated. We still see calculators and "2024" or "2025" limit tables ranking for Arizona searches, quoting numbers that are hundreds of thousands of dollars off the high-balance counties. Some sites copy the floor figure across all 15 counties and miss that Maricopa, Pinal, and Coconino sit higher. We pull our numbers straight from HUD's published CY2026 schedule and stamp this page with the effective date, so you can tell at a glance whether what you are reading is current.
FHA limit vs conforming limit
These are two different ceilings, and people mix them up constantly. The FHA limit governs FHA-insured loans (3.5% down, 580 FICO). The conforming limit governs conventional loans that Fannie Mae and Freddie Mac will buy. For 2026 the baseline conforming limit is $832,750 for a one-unit home, well above every Arizona FHA limit. So a buyer who needs a loan between the FHA county limit and $832,750 often can still use a conventional loan rather than jumping to jumbo.
| One-unit ceiling (2026) | Program | Amount |
|---|---|---|
| FHA floor (most AZ counties) | FHA-insured | $541,287 |
| FHA Maricopa / Pinal | FHA-insured | $557,750 |
| FHA Coconino (Flagstaff) | FHA-insured | $609,500 |
| Conforming baseline | Conventional (Fannie/Freddie) | $832,750 |
Above the limit? Jumbo and conventional options
If your purchase price pushes the loan past the FHA county limit, you have two clear paths. First, a conventional loan up to the $832,750 conforming ceiling, which works for most Phoenix and Scottsdale price points and only needs 3% to 5% down for many buyers. Second, a jumbo loan above $832,750 for higher-end Scottsdale, Paradise Valley, and north Flagstaff purchases. We run both FHA and conventional side by side on your actual numbers so you are not guessing which fits. Our full FHA loan Arizona guide covers down payment, MIP, and gift funds in detail, and the programs page lists every Arizona option.
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Frequently Asked Questions
What is the 2026 FHA loan limit in Maricopa County?
The 2026 FHA loan limit in Maricopa County is $557,750 for a one-unit (single-family) home, effective January 1, 2026 under HUD's CY2026 schedule. Maricopa is one of only two Arizona counties above the state floor; Pinal County shares the same $557,750 one-unit limit. Two-unit is $714,000, three-unit is $863,100, and four-unit is $1,072,600.
What is the FHA loan limit in Pima County / Tucson?
The 2026 FHA loan limit in Pima County, which includes Tucson, is $541,287 for a one-unit home, effective January 1, 2026. Pima County sits at Arizona's standard floor. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125.
What is the FHA loan limit in Flagstaff / Coconino County?
The 2026 FHA loan limit in Coconino County, which includes Flagstaff, is $609,500 for a one-unit home, effective January 1, 2026. Coconino is the highest FHA limit in Arizona because Flagstaff's median home values are the highest in the state. Two-unit is $780,250, three-unit is $943,150, and four-unit is $1,172,150.
When do FHA loan limits change?
FHA loan limits change every January 1. HUD recalculates county limits each year based on updated home-price data and the conforming loan limit set by the Federal Housing Finance Agency. The figures on this page are the CY2026 limits, effective January 1, 2026. A new schedule takes effect January 1, 2027.
Ready to run your numbers? Talk to Mike, read the FHA loan Arizona guide, or explore all Arizona loan programs.