All 15 Arizona counties use the $832,750 conforming baseline in 2026, so the line between conforming and jumbo is the same in Phoenix, Tucson and Flagstaff.
2026 conforming limits in Arizona
The same in every county (see all 15 Arizona counties):
| Units | Conforming limit |
|---|---|
| 1 unit | $832,750 |
| 2 units | $1,066,250 |
| 3 units | $1,288,800 |
| 4 units | $1,601,750 |
What is different in Arizona
- There are no high-cost counties in Arizona, so there is no high-balance tier: above $832,750 for a one-unit home, a loan is jumbo.
- Two- to four-unit properties have higher conforming limits, which helps buyers of duplexes and fourplexes stay conforming.
- Arizona’s lower property taxes leave more room in the debt-to-income ratio than in many states at the same price.
- Scottsdale and Paradise Valley see many jumbo purchases; jumbo lenders there compete hard on pricing.
Questions
What is the conforming loan limit in Arizona for 2026?
$832,750 for a one-unit home in every county, with higher limits for two to four units. See also: Conforming and jumbo loans in Florida.
What is considered a jumbo loan in Arizona?
Any loan above $832,750 on a one-unit home in 2026, in every county. See also: Conforming and jumbo loans in Ohio.
Are jumbo rates higher in Arizona?
Not necessarily. Jumbo pricing depends on your credit, savings and down payment, and strong jumbo files sometimes price close to conforming loans.
Related
- Jumbo loans
- Jumbo vs conforming loans
- Conventional loans
- Home affordability calculator
- Mortgage reserves calculator
Conforming and jumbo loans in other states: California, Florida, Ohio. All of Arizona: mortgage loans in Arizona.
