Utah Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 29 counties in Utah. FHA limits in this state range from $541,287 to $747,500, while conforming limits range from $832,750 to $1,150,000.
2026 Loan Limits by County in Utah
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Beaver County | $541,287 | $832,750 | $283,700 |
| 2 | Box Elder County | $541,287 | $832,750 | $403,600 |
| 3 | Cache County | $541,287 | $832,750 | $444,400 |
| 4 | Carbon County | $541,287 | $832,750 | $228,500 |
| 5 | Daggett County | $541,287 | $832,750 | $282,300 |
| 6 | Davis County | $541,287 | $832,750 | $505,500 |
| 7 | Duchesne County | $541,287 | $832,750 | $283,700 |
| 8 | Emery County | $541,287 | $832,750 | $218,700 |
| 9 | Garfield County | $541,287 | $832,750 | $318,100 |
| 10 | Grand County | $545,675 | $839,500 | $538,700 |
| 11 | Iron County | $541,287 | $832,750 | $379,000 |
| 12 | Juab County | $541,287 | $832,750 | $425,400 |
| 13 | Kane County | $541,287 | $832,750 | $410,900 |
| 14 | Millard County | $541,287 | $832,750 | $284,700 |
| 15 | Morgan County | $541,287 | $832,750 | $654,900 |
| 16 | Piute County | $541,287 | $832,750 | $264,800 |
| 17 | Rich County | $541,287 | $832,750 | $334,600 |
| 18 | Salt Lake County | $541,287 | $832,750 | $525,700 |
| 19 | San Juan County | $541,287 | $832,750 | $224,200 |
| 20 | Sanpete County | $541,287 | $832,750 | $347,200 |
| 21 | Sevier County | $541,287 | $832,750 | $311,200 |
| 22 | Summit County | $747,500 | $1,150,000 | $1,067,700 |
| 23 | Tooele County | $541,287 | $832,750 | $431,600 |
| 24 | Uintah County | $541,287 | $832,750 | $298,600 |
| 25 | Utah County | $541,287 | $832,750 | $538,700 |
| 26 | Wasatch County | $747,500 | $1,150,000 | $787,300 |
| 27 | Washington County | $541,287 | $832,750 | $510,700 |
| 28 | Wayne County | $648,082 | $997,050 | $411,800 |
| 29 | Weber County | $541,287 | $832,750 | $426,700 |
About Utah's Mortgage Market
Utah has 29 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Utah range from $541,287 to $747,500 for a single-family home. Conforming limits range from $832,750 to $1,150,000.
Use our mortgage calculator to compute monthly payments using Utah-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Utah?
The highest 2026 FHA limit in Utah is $747,500 for a single-family home.
What is the maximum conforming loan limit in Utah?
The highest 2026 conforming loan limit in Utah is $1,150,000 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Utah?
Utah has 29 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.