Arizona loan limits · Pinal County
Pinal County loan limits for 2026: FHA, conforming, and VA
The official 2026 loan limits for Pinal County, Arizona, from HUD and FHFA, and how they compare with Census home values in Queen Creek, San Tan Valley, Maricopa, Casa Grande, Apache Junction, Florence.
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What is the FHA loan limit in Pinal County for 2026?
Quick answer: HUD's 2026 FHA limit for a one-unit home in Pinal 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 Queen Creek.
Source: HUD, FHA Mortgage Limits (CY2026); FHFA, 2026 conforming limits; retrieved October 1, 2026. Last updated .
2026 loan limits in Pinal 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 Pinal 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.
Pinal County is part of HUD's Phoenix-Mesa-Chandler area, so it gets the same FHA limits as Maricopa County even though its Census median home values are lower. Queen Creek and Apache Junction straddle the Maricopa-Pinal line, and the limits are the same on both sides. Some parts of Pinal County outside its cities may fall in USDA-eligible areas, so check a specific address on USDA's map.
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.
Pinal 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) |
|---|---|---|---|
| Queen Creek * | $635,400 | $77,650 above | $197,350 below |
| San Tan Valley | $410,100 | $147,650 below | $422,650 below |
| Maricopa | $377,200 | $180,550 below | $455,550 below |
| Florence | $346,300 | $211,450 below | $486,450 below |
| Casa Grande | $303,900 | $253,850 below | $528,850 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 1 of the 6 Pinal County cities on this site (Queen Creek), 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.
No Pinal County city on this site has a Census median value above the $832,750 conforming limit; Queen Creek is the closest at $197,350 below it. The range runs from Apache Junction ($211,500) to Queen Creek ($635,400).
San Tan Valley is an unincorporated Census-designated place rather than a city. Its Census median value ($410,100) is $147,650 below the shared Phoenix-area FHA limit, and Casa Grande's ($303,900) is $253,850 below it, so the Phoenix-area limit leaves more room in Pinal County than in most of Maricopa County.
| City | Median owner costs (with a mortgage) | Median gross rent | Owner-occupied rate |
|---|---|---|---|
| Queen Creek | $2,389 | $2,210 | 90.2% |
| San Tan Valley | $1,794 | $2,085 | 82.2% |
| Maricopa | $1,849 | $1,998 | 83.6% |
| Casa Grande | $1,635 | $1,386 | 72.8% |
| Apache Junction | $1,541 | $1,146 | 79.1% |
| Florence | $1,839 | $1,302 | 86.8% |
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 Pinal 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 Pinal 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. 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 Pinal 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 Pinal County Assessor.
Source: A.R.S. §42-18052, retrieved October 1, 2026.
Pinal County city pages
Census housing figures and homes by monthly budget: Queen Creek · San Tan Valley · Maricopa · Casa Grande · Apache Junction · Florence.
Compare every county: 2026 Arizona loan limits by county.
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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)
- Pinal County Assessor (retrieved October 1, 2026)
Frequently asked questions
What is the FHA loan limit in Pinal 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 Pinal 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 Pinal County?
Not with full entitlement. With partial entitlement, VA uses the county conforming limit of $832,750 to figure remaining entitlement.
How do Pinal County home values compare with the FHA limit?
The Census median value is above the $557,750 FHA limit in Queen Creek, and below it in the county's other cities on this site.
When are Pinal 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.