Every Arizona county uses the conforming baseline, but FHA limits still vary by county, from the national floor in rural counties to higher figures in Maricopa and Pima.
2026 FHA limits in Arizona
One-unit FHA limits run from $541,287 to $609,500 across Arizona’s 15 counties; 12 are at the national floor. The ten highest are below; see all 15 Arizona counties.
| County | FHA, 1 unit | FHA, 2 units | FHA, 4 units | Conforming, 1 unit |
|---|---|---|---|---|
| Coconino | $609,500 | $780,250 | $1,172,150 | $832,750 |
| Maricopa | $557,750 | $714,000 | $1,072,600 | $832,750 |
| Pinal | $557,750 | $714,000 | $1,072,600 | $832,750 |
| Apache | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cochise | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gila | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Graham | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greenlee | $541,287 | $693,050 | $1,041,125 | $832,750 |
| La Paz | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mohave | $541,287 | $693,050 | $1,041,125 | $832,750 |
What is different in Arizona
- Arizona is a community property state, so FHA counts the debts of a spouse who isn’t on the loan in your debt-to-income ratio.
- Arizona’s down payment programs, such as the Arizona Industrial Development Authority’s Home Plus and Maricopa County’s Home in Five Advantage, are often paired with FHA.
- Manufactured homes on land you own are common in Arizona and can use FHA when titled as real property.
- FHA appraisals check for safety items like pool barriers and roof condition, so plan for repairs on older homes.
Questions
Can I get an FHA home loan in Arizona?
Yes, anywhere in the state, for a home you’ll live in, up to the county’s FHA limit: $557,750 in Maricopa County for a one-unit home in 2026.
What is the FHA loan limit in Pima County?
$541,287 for a one-unit home in 2026. See also: FHA loans in California.
How do I qualify for an FHA loan in Arizona?
The same as nationwide: a credit score of 580 or more for the low down payment, a debt-to-income ratio within FHA’s limits, and a primary home. Arizona’s community property rule adds your spouse’s debts to the ratio.
Related
FHA loans in other states: California, Florida, Ohio. All of Arizona: mortgage loans in Arizona.
