2026 FHA Loan Limits in Utah: What Salt Lake City and Utah Homebuyers Need to Know

If you're planning to buy a home in Utah in 2026, understanding FHA loan limits in your county is crucial for determining your purchasing power. The Federal Housing Administration has released updated loan limits for 2026, and several Utah counties have seen significant increases that could help first-time homebuyers and those with lower down payments access more expensive properties.

2026 FHA Loan Limits for Major Utah Counties

Salt Lake County: $637,100

Utah County: $601,450

Washington County: $607,200

Davis County: $744,050

Sanpete & Sevier Counties: $541,287

2026 FHA Loan Limits 

2026 Conventional Loan Limits 

How to Use This Information

Understanding your county's FHA loan limit is the first step in your homebuying journey. Here's what to do next:

1. Calculate your maximum loan amount: Remember that the loan limit is the maximum, but your actual borrowing power depends on your income, debts, and credit profile.
2. Factor in your down payment: With just 3.5% down, you can access properties up to these limits. For example, in Salt Lake County, a 3.5% down payment of approximately $22,300 could get you into a home at the maximum FHA loan limit.
3. Consider total housing costs: Don't forget to account for FHA mortgage insurance premiums, property taxes, homeowners insurance, and HOA fees when budgeting.
4. Connect with an FHA-approved lender: Local lenders who specialize in FHA loans can help you understand what you qualify for and navigate the Utah housing market effectively.

Why FHA Loans Make Sense in Utah's Market

Utah's housing market remains competitive across most counties, with steady demand and limited inventory in popular areas. FHA loans offer several advantages that make homeownership more accessible:

• Lower down payment requirements (3.5% minimum)
• More flexible credit requirements (scores as low as 580 may qualify)
• Competitive interest rates
• Ability to include closing costs in the loan

Planning Your 2026 Home Purchase in Utah

Whether you're searching for a home in bustling Salt Lake City, tech-focused Utah County, sunny St. George, family-friendly Davis County, or peaceful rural communities in central Utah, knowing your FHA loan limits helps you shop with confidence.

The 2026 loan limits reflect Utah's strong real estate market and provide meaningful borrowing power across all price points. As you begin your home search, work with experienced local real estate professionals who understand both FHA requirements and the unique characteristics of Utah's diverse housing markets.

Ready to start your homebuying journey? Reach out to a Red Sign Agent today!