Utah Loan Limits by County, 2026
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 29 Utah counties. 13 counties are high-cost areas with FHA limits above the national floor.
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Beaver County | $541,287 | $832,750 | Floor |
| Box Elder County | $541,287 | $832,750 | Floor |
| Cache County | $541,287 | $832,750 | Floor |
| Carbon County | $541,287 | $832,750 | Floor |
| Daggett County | $541,287 | $832,750 | Floor |
| Davis County | $744,050 | $832,750 | High-cost |
| Duchesne County | $541,287 | $832,750 | Floor |
| Emery County | $541,287 | $832,750 | Floor |
| Garfield County | $541,287 | $832,750 | Floor |
| Grand County | $839,500 | $839,500 | High-cost |
| Iron County | $541,287 | $832,750 | Floor |
| Juab County | $601,450 | $832,750 | High-cost |
| Kane County | $541,287 | $832,750 | Floor |
| Millard County | $541,287 | $832,750 | Floor |
| Morgan County | $744,050 | $832,750 | High-cost |
| Piute County | $541,287 | $832,750 | Floor |
| Rich County | $579,600 | $832,750 | High-cost |
| Salt Lake County | $637,100 | $832,750 | High-cost |
| San Juan County | $541,287 | $832,750 | Floor |
| Sanpete County | $541,287 | $832,750 | Floor |
| Sevier County | $541,287 | $832,750 | Floor |
| Summit County | $1,163,800 | $1,150,000 | High-cost |
| Tooele County | $637,100 | $832,750 | High-cost |
| Uintah County | $541,287 | $832,750 | Floor |
| Utah County | $601,450 | $832,750 | High-cost |
| Wasatch County | $1,163,800 | $1,150,000 | High-cost |
| Washington County | $607,200 | $832,750 | High-cost |
| Wayne County | $997,050 | $997,050 | High-cost |
| Weber County | $744,050 | $832,750 | High-cost |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.