Arizona loan limits · Maricopa County
Maricopa County loan limits for 2026: FHA, conforming, and VA
The official 2026 loan limits for Maricopa County, Arizona, from HUD and FHFA, and how they compare with Census home values in Phoenix, Mesa, Chandler, Gilbert, Scottsdale, Tempe, Glendale, Peoria, Surprise, Goodyear, Buckeye, Avondale, Queen Creek, Fountain Hills, Cave Creek, Anthem, Litchfield Park, Apache Junction, El Mirage.
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What is the FHA loan limit in Maricopa County for 2026?
Quick answer: HUD's 2026 FHA limit for a one-unit home in Maricopa County is $557,750, and FHFA's conforming limit is $832,750. VA has no limit for borrowers with full entitlement. The Census median home value is above the FHA limit in Gilbert, Scottsdale.
Source: HUD, FHA Mortgage Limits (CY2026); FHFA, 2026 conforming limits; retrieved October 1, 2026. Last updated .
2026 loan limits in Maricopa County
| Loan type | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| FHA (HUD) | $557,750 | $714,000 | $863,100 | $1,072,600 |
| Conforming (FHFA) | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| VA | No limit with full entitlement. Partial entitlement uses the conforming limit ($832,750 for one unit). | |||
The FHA one-unit limit in Maricopa County is $557,750. That's $16,463 above the national FHA floor of $541,287, because HUD sets it from Phoenix-Mesa-Chandler area home prices. The conforming limit is $832,750, the same in all 15 Arizona counties, because no Arizona county is designated high-cost.
Maricopa and Pinal counties make up HUD's Phoenix-Mesa-Chandler area, so they share the same FHA limits, which sit above the national FHA floor. Maricopa has the widest spread of home values of any Arizona county on this site, from Census medians below the FHA limit in much of the West Valley to Cave Creek, where the median is above the conforming limit.
Sources: HUD, FHA Mortgage Limits lookup (CY2026) and Mortgagee Letter 2025-23; FHFA, Conforming Loan Limit Values for 2026; VA.gov, entitlement and limits. Retrieved October 1, 2026.
Maricopa County home values vs. the 2026 limits
Census median values show where a typical-priced home sits against each limit. A limit caps the loan amount, not the price, so the cash you bring also matters.
| City | Census median value | vs. FHA limit ($557,750) | vs. conforming limit ($832,750) |
|---|---|---|---|
| Cave Creek | $906,100 | $348,350 above | $73,350 above |
| Scottsdale | $789,800 | $232,050 above | $42,950 below |
| Queen Creek * | $635,400 | $77,650 above | $197,350 below |
| Fountain Hills | $622,900 | $65,150 above | $209,850 below |
| Litchfield Park | $577,000 | $19,250 above | $255,750 below |
| Gilbert | $575,100 | $17,350 above | $257,650 below |
| Anthem | $569,900 | $12,150 above | $262,850 below |
| Chandler | $507,800 | $49,950 below | $324,950 below |
| Goodyear | $471,300 | $86,450 below | $361,450 below |
| Peoria | $463,600 | $94,150 below | $369,150 below |
| Tempe | $455,400 | $102,350 below | $377,350 below |
| Surprise | $435,100 | $122,650 below | $397,650 below |
| Phoenix | $420,700 | $137,050 below | $412,050 below |
| Buckeye | $419,800 | $137,950 below | $412,950 below |
| Mesa | $408,000 | $149,750 below | $424,750 below |
| Avondale | $394,600 | $163,150 below | $438,150 below |
| Glendale | $387,500 | $170,250 below | $445,250 below |
| El Mirage | $321,900 | $235,850 below | $510,850 below |
| Apache Junction * | $211,500 | $346,250 below | $621,250 below |
* Spans two counties; the Census median is citywide. Both counties have the same limits.
In 7 of the 19 Maricopa County cities on this site (Gilbert, Scottsdale, Queen Creek, Fountain Hills, Cave Creek, Anthem, Litchfield Park), the Census median home value is above the FHA one-unit limit. A typical-priced home there would need a loan within the limit, which means more cash at closing, or a conventional loan instead.
Cave Creek has a Census median value above the $832,750 conforming limit, so jumbo loans come up more often there. The range runs from Apache Junction ($211,500) to Cave Creek ($906,100).
20 of the 40 city and community pages on this site are in Maricopa County. Many newer master-planned communities here carry Community Facilities District (CFD) or special district charges on the property tax bill, which lenders count in the monthly payment. See what a CFD tax is, Eastmark in Mesa, Verrado in Buckeye, and the HOA and CFD lookup.
| City | Median owner costs (with a mortgage) | Median gross rent | Owner-occupied rate |
|---|---|---|---|
| Phoenix | $1,847 | $1,582 | 57.3% |
| Mesa | $1,843 | $1,620 | 64.4% |
| Chandler | $2,044 | $1,902 | 65.0% |
| Gilbert | $2,174 | $2,110 | 73.1% |
| Scottsdale | $2,577 | $2,013 | 67.0% |
| Tempe | $1,828 | $1,743 | 42.3% |
| Glendale | $1,705 | $1,528 | 57.2% |
| Peoria | $1,958 | $1,843 | 76.0% |
| Surprise | $1,860 | $2,033 | 79.1% |
| Goodyear | $2,067 | $1,956 | 77.7% |
| Buckeye | $1,887 | $1,963 | 86.0% |
| Avondale | $1,790 | $1,832 | 61.6% |
| Queen Creek | $2,389 | $2,210 | 90.2% |
| Fountain Hills | $2,146 | $1,890 | 84.4% |
| Cave Creek | $2,625 | $2,493 | 94.6% |
| Anthem | $2,304 | $2,548 | 84.9% |
| Litchfield Park | $2,449 | $1,922 | 84.8% |
| Apache Junction | $1,541 | $1,146 | 79.1% |
| El Mirage | $1,533 | $1,806 | 69.7% |
Source: U.S. Census Bureau QuickFacts (ACS 2020–2024 5-year estimates; retrieved September 25, 2026). Area-wide medians include homes bought years ago and aren't listing prices or quotes.
How Maricopa County home prices have changed
| Period | 1 year | 5 years | 10 years |
|---|---|---|---|
| Phoenix-Mesa-Chandler metro | +0.8% | +35.8% | +119.6% |
| Arizona statewide | +0.9% | +36.3% | +116.1% |
The index tracks repeat sales and refinance appraisals of the same homes, so it shows how values moved, not what any one home is worth. Past changes don't predict future values. For homeowners, the change helps explain how much equity may be available for a refinance or HELOC.
Source: FHFA, House Price Index datasets (data through 2026 Q2, released August 25, 2026; downloaded September 26, 2026).
Which loans fit in Maricopa County
- FHA loans for a principal residence, up to $557,750 for one unit. FHA requirements and mortgage insurance.
- Conventional loans up to $832,750 for one unit, for a primary home, second home, or investment property. Above that, a jumbo loan.
- VA loans for eligible veterans and service members, including those near Luke Air Force Base in the West Valley. With full entitlement there's no VA loan limit; with partial entitlement VA uses $832,750, so remaining bonus entitlement starts from $832,750 × 25% = $208,187.50.
- USDA loans where a property is in a USDA-eligible area and household income is within USDA's limit. How to check an address.
- Bank statement and other Non-QM loans for self-employed buyers and others whose income doesn't fit agency guidelines. Bank statement loans · Non-QM loans.
Not every program fits every borrower or property. Availability depends on credit, income, property, and program guidelines.
Property taxes in Maricopa County
Arizona property taxes are billed by the county treasurer in two halves. The first half is due October 1 and becomes delinquent after 5 p.m. on November 1; the second half is due March 1 and becomes delinquent after 5 p.m. on May 1 (A.R.S. §42-18052). Most buyers with a mortgage pay through an escrow account, which your lender sets up. Look up a parcel's assessed value and exemptions with the Maricopa County Assessor's Office.
Source: A.R.S. §42-18052, retrieved October 1, 2026.
Maricopa County city pages
Census housing figures and homes by monthly budget: Phoenix · Mesa · Chandler · Gilbert · Scottsdale · Tempe · Glendale · Peoria · Surprise · Goodyear · Buckeye · Avondale · Queen Creek · Fountain Hills · Cave Creek · Anthem · Litchfield Park · Apache Junction · El Mirage · Laveen.
Compare every county: 2026 Arizona loan limits by county.
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
- 2026 Arizona loan limits
- FHA loans
- VA loans
- Conventional & jumbo
- USDA loans
- Refinance
- HELOC
- Non-QM loans
- Bank statement loans
- Rebel Rate Mortgage
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
- 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)
- FHFA, Conforming Loan Limit Values for 2026 (news release, November 25, 2025) (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)
- U.S. Federal Housing Finance Agency, FHFA House Price Index datasets (All-Transactions Index, data through 2026 Q2, released August 25, 2026; downloaded September 26, 2026)
- Arizona Revised Statutes §42-18052, property tax due dates and delinquency (retrieved October 1, 2026)
- Maricopa County Assessor's Office (retrieved October 1, 2026)
Frequently asked questions
What is the FHA loan limit in Maricopa County for 2026?
$557,750 for a one-unit home, $714,000 for two units, $863,100 for three units, and $1,072,600 for four units, per HUD's 2026 limits (effective January 1, 2026).
What is the conforming loan limit in Maricopa County for 2026?
$832,750 for a one-unit home, the same as every Arizona county (FHFA). A larger conventional loan is a jumbo loan.
Is there a VA loan limit in Maricopa County?
Not with full entitlement. With partial entitlement, VA uses the county conforming limit of $832,750 to figure remaining entitlement.
How do Maricopa County home values compare with the FHA limit?
The Census median value is above the $557,750 FHA limit in Gilbert, Scottsdale, Queen Creek, Fountain Hills, Cave Creek, Anthem, Litchfield Park, and below it in the county's other cities on this site.
When are Maricopa County property taxes due?
The first half is due October 1 (delinquent after 5 p.m. November 1) and the second half March 1 (delinquent after 5 p.m. May 1), under A.R.S. §42-18052.