Arizona loan limits
Arizona loan limits for 2026, by county
Every Arizona county's 2026 FHA and conforming loan limits in one place, VA's rules, and how Census home values in 39 Arizona cities compare with each limit.
Two ways to start
- Search homes by payment
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens a third-party home search site. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
- Get pre-qualified (Apply now) (opens in a new tab)
Get pre-qualified with Rebel Rate Mortgage. Once you're pre-qualified, your home search is tied directly to your pre-qualification, so the homes you see fit what you qualify for.
Opens Rebel Rate Mortgage's secure online application (my1003app.com) in a new tab. Pre-qualification isn't a loan approval or a commitment to lend; approval depends on underwriting, verification of your information, and the property.
Applications are handled by Pam Messina, NMLS #245626, Rebel Rate Mortgage, Inc. (NMLS #2571369).
What are the 2026 loan limits in Arizona?
Quick answer: For a one-unit home in 2026, the conforming limit is $832,750 in all 15 Arizona counties. FHA limits are $557,750 in Maricopa and Pinal, $609,500 in Coconino, and $541,287 elsewhere. VA has no limit with full entitlement. Loans above the conforming limit are jumbo loans.
Source: FHFA, 2026 conforming limits, and HUD, FHA Mortgage Limits, retrieved October 1, 2026. Last updated .
The 2026 limits at a glance
- Conforming (FHFA): $832,750 for one unit in all 15 Arizona counties ($1,066,250, $1,288,800, and $1,601,750 for two to four units). Larger conventional loans are jumbo loans.
- FHA (HUD): $557,750 in Maricopa and Pinal counties, $609,500 in Coconino County, and the national floor of $541,287 in the other 12 counties (one unit).
- VA: no loan limit with full entitlement. With partial entitlement, VA uses the county conforming limit, $832,750 everywhere in Arizona.
- USDA: no published loan limit like FHA's; eligibility depends on the property's location and household income. USDA loans in Arizona.
FHA and conforming limits for all 15 Arizona counties
| County | HUD area | FHA | Conforming | FHA vs. national floor |
|---|---|---|---|---|
| Apache County | Non-metro | $541,287 | $832,750 | floor |
| Cochise County | Sierra Vista-Douglas | $541,287 | $832,750 | floor |
| Coconino County | Flagstaff | $609,500 | $832,750 | higher |
| Gila County | Payson | $541,287 | $832,750 | floor |
| Graham County | Safford | $541,287 | $832,750 | floor |
| Greenlee County | Non-metro | $541,287 | $832,750 | floor |
| La Paz County | Non-metro | $541,287 | $832,750 | floor |
| Maricopa County | Phoenix-Mesa-Chandler | $557,750 | $832,750 | higher |
| Mohave County | Lake Havasu City-Kingman | $541,287 | $832,750 | floor |
| Navajo County | Show Low | $541,287 | $832,750 | floor |
| Pima County | Tucson | $541,287 | $832,750 | floor |
| Pinal County | Phoenix-Mesa-Chandler | $557,750 | $832,750 | higher |
| Santa Cruz County | Nogales | $541,287 | $832,750 | floor |
| Yavapai County | Prescott Valley-Prescott | $541,287 | $832,750 | floor |
| Yuma County | Yuma | $541,287 | $832,750 | floor |
Sources: HUD, FHA Mortgage Limits lookup (state AZ, CY2026, all 15 counties) and Mortgagee Letter 2025-23; FHFA, Conforming Loan Limit Values for 2026. Retrieved October 1, 2026. Two- to four-unit FHA limits are on each county page and on the FHA page.
County pages with city-by-city comparisons: Maricopa · Pinal · Pima · Coconino · Yavapai · Mohave · Yuma · Cochise.
2026 limits vs. Census home values in 39 Arizona cities
In 9 of 39 cities, the Census median home value is above the county's FHA one-unit limit. In 1 (Cave Creek), it's above the $832,750 conforming limit.
| City | County | Census median value | vs. FHA limit | vs. conforming limit |
|---|---|---|---|---|
| Cave Creek | Maricopa | $906,100 | $348,350 above | $73,350 above |
| Scottsdale | Maricopa | $789,800 | $232,050 above | $42,950 below |
| Sedona | Yavapai / Coconino | $786,800 | $245,513 above | $45,950 below |
| Queen Creek | Maricopa / Pinal | $635,400 | $77,650 above | $197,350 below |
| Fountain Hills | Maricopa | $622,900 | $65,150 above | $209,850 below |
| Litchfield Park | Maricopa | $577,000 | $19,250 above | $255,750 below |
| Gilbert | Maricopa | $575,100 | $17,350 above | $257,650 below |
| Anthem | Maricopa | $569,900 | $12,150 above | $262,850 below |
| Prescott | Yavapai | $564,100 | $22,813 above | $268,650 below |
| Flagstaff | Coconino | $552,900 | $56,600 below | $279,850 below |
| Chandler | Maricopa | $507,800 | $49,950 below | $324,950 below |
| Oro Valley | Pima | $475,700 | $65,587 below | $357,050 below |
| Goodyear | Maricopa | $471,300 | $86,450 below | $361,450 below |
| Peoria | Maricopa | $463,600 | $94,150 below | $369,150 below |
| Tempe | Maricopa | $455,400 | $102,350 below | $377,350 below |
| Lake Havasu City | Mohave | $455,400 | $85,887 below | $377,350 below |
| Surprise | Maricopa | $435,100 | $122,650 below | $397,650 below |
| Phoenix | Maricopa | $420,700 | $137,050 below | $412,050 below |
| Buckeye | Maricopa | $419,800 | $137,950 below | $412,950 below |
| Marana | Pima | $413,800 | $127,487 below | $418,950 below |
| Prescott Valley | Yavapai | $413,200 | $128,087 below | $419,550 below |
| San Tan Valley | Pinal | $410,100 | $147,650 below | $422,650 below |
| Mesa | Maricopa | $408,000 | $149,750 below | $424,750 below |
| Avondale | Maricopa | $394,600 | $163,150 below | $438,150 below |
| Glendale | Maricopa | $387,500 | $170,250 below | $445,250 below |
| Payson | Gila | $382,400 | $158,887 below | $450,350 below |
| Maricopa | Pinal | $377,200 | $180,550 below | $455,550 below |
| Sahuarita | Pima | $364,300 | $176,987 below | $468,450 below |
| Florence | Pinal | $346,300 | $211,450 below | $486,450 below |
| Cottonwood | Yavapai | $324,100 | $217,187 below | $508,650 below |
| El Mirage | Maricopa | $321,900 | $235,850 below | $510,850 below |
| Casa Grande | Pinal | $303,900 | $253,850 below | $528,850 below |
| Show Low | Navajo | $299,600 | $241,687 below | $533,150 below |
| Kingman | Mohave | $267,700 | $273,587 below | $565,050 below |
| Tucson | Pima | $266,200 | $275,087 below | $566,550 below |
| Sierra Vista | Cochise | $254,200 | $287,087 below | $578,550 below |
| Yuma | Yuma | $230,000 | $311,287 below | $602,750 below |
| Bullhead City | Mohave | $211,500 | $329,787 below | $621,250 below |
| Apache Junction | Pinal / Maricopa | $211,500 | $346,250 below | $621,250 below |
Laveen is counted within the City of Phoenix and isn't listed separately. Census medians are area-wide and include homes bought years ago; they aren't listing prices.
How loan limits work
- A limit caps the loan, not the price. You can buy a home priced above a limit if the loan amount stays within it, which means bringing more cash to closing.
- FHFA sets the conforming limit each year from national home price changes. HUD then sets FHA limits as a share of it: the floor is 65% of the conforming limit, and higher-cost areas get more.
- Limits are set by county, so a home's address decides which applies. Sedona, Queen Creek, and Apache Junction each span two counties.
- The 2027 limits are usually announced late in the year and take effect January 1. This page will be updated when they're published.
Rebel Rate Mortgage, Inc. offers conventional, FHA, VA, USDA, jumbo, refinance, Non-QM, bank statement, and HELOC loans in Arizona.
Rebel Rate Mortgage, Inc. is family-owned, with family values. Read our reviews, they tell the story. Questions? Daryle Messina (NMLS #183491): Call or text 602-740-9664 (Monday to Friday, 8 a.m. to 6 p.m. Arizona time (MST, no daylight saving). Closed Saturday and Sunday.).
General information for Arizona home buyers, not a loan offer, rate quote, or commitment to lend. Program rules come from the official sources linked on this page and can change. All loans are subject to credit approval, underwriting, and property eligibility, and not all applicants will qualify. Rebel Rate Mortgage, Inc. is not a government agency and is not affiliated with or endorsed by HUD, FHA, the Department of Veterans Affairs, FHFA, Fannie Mae, or Freddie Mac. We don't quote interest rates on this site. A Loan Estimate shows the actual terms for a specific loan.
Related loan guides
- FHA loans
- VA loans
- Conventional & jumbo
- USDA loans
- Refinance
- HELOC
- Non-QM loans
- Bank statement loans
- Rebel Rate Mortgage
Plan your numbers: how much house can I afford? · comfortable payment finder · all calculators · first-time buyer guide · what you need to buy
Two ways to start: search by payment, or get pre-qualified
Search Arizona homes with each home's taxes, HOA dues, and insurance built into the estimated payment, or apply with Rebel Rate Mortgage. Daryle Messina (NMLS #183491) can review which loan type fits.
Two ways to start
- Search homes by payment
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens a third-party home search site. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
- Get pre-qualified (Apply now) (opens in a new tab)
Get pre-qualified with Rebel Rate Mortgage. Once you're pre-qualified, your home search is tied directly to your pre-qualification, so the homes you see fit what you qualify for.
Opens Rebel Rate Mortgage's secure online application (my1003app.com) in a new tab. Pre-qualification isn't a loan approval or a commitment to lend; approval depends on underwriting, verification of your information, and the property.
Applications are handled by Pam Messina, NMLS #245626, Rebel Rate Mortgage, Inc. (NMLS #2571369).
Prefer to talk it through? Daryle Messina, NMLS #183491
Sources
- FHFA, Conforming Loan Limit Values for 2026 (news release, November 25, 2025) (retrieved October 1, 2026)
- FHFA, conforming loan limit data by county (retrieved October 1, 2026)
- HUD, FHA Mortgage Limits lookup (Arizona, FHA Forward and Fannie/Freddie, CY2026) (limits effective January 1, 2026; retrieved October 1, 2026)
- HUD Mortgagee Letter 2025-23, 2026 Nationwide Forward Mortgage Loan Limits (PDF) (effective for case numbers assigned on or after January 1, 2026; retrieved October 1, 2026)
- VA.gov, VA home loan entitlement and limits (last updated August 12, 2025; retrieved October 1, 2026)
- U.S. Census Bureau QuickFacts (ACS 2020–2024 5-year estimates; retrieved September 25, 2026)
Frequently asked questions
What is the 2026 conforming loan limit in Arizona?
$832,750 for a one-unit home in every Arizona county, set by FHFA. No Arizona county has a higher high-cost limit.
What is the 2026 FHA loan limit in Arizona?
$557,750 in Maricopa and Pinal counties, $609,500 in Coconino County, and $541,287 in the other 12 counties, for a one-unit home (HUD).
Is there a VA loan limit in Arizona?
Not with full entitlement. With partial entitlement, VA uses the $832,750 conforming limit in every Arizona county.
What is the jumbo loan limit in Arizona for 2026?
A conventional loan above $832,750 for one unit is a jumbo loan. Jumbo guidelines are set by each lender.
Which Arizona cities have home values above the FHA limit?
By Census median value, 9 of the 39 cities on this site are above their county's FHA one-unit limit, including Scottsdale, Gilbert, Queen Creek, and Prescott.
When do 2027 loan limits come out?
FHFA and HUD usually announce the next year's limits in late November or December, and they take effect January 1.