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FHA loans in Queen Creek, AZ

Quick answer

The 2026 FHA loan limit in Queen Creek, AZ (Maricopa County) is $557,750 for a single-family home, enough for a purchase price up to about $577,000 with 3.5% down. On the $576,600 median home value, that down payment is about $20,181 and the estimated payment is $4,439/month at 7.18%, which needs roughly $191,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $134,719; value-to-income ratio 4.28. Queen Creek ranks 5 by home value and 18 by population among 68 places in our AZ dataset.

What does an FHA loan cost on a typical Queen Creek home?

ItemQueen Creek
Median home value (Census ACS)$576,600
Arizona median home value$358,900
Down payment (3.5%)$20,181
Loan incl. 1.75% upfront MIP$566,156
Estimated monthly payment (PITI + MI)$4,439
Income needed (28% / 36%)$191,000 / $148,000
Maricopa County 2026 FHA limit (1 unit)$557,750
Max purchase price at the limit$577,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Arizona's 0.52% effective property tax rate (Census ACS), $1,194/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Queen Creek?

Queen Creek is in Maricopa County where HUD's 2026 one-unit FHA limit is $557,750. With the minimum 3.5% down, that caps the purchase price at about $577,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Queen Creek median home value of $576,600 is 61% above the Arizona median, and within what the county limit supports.

Which down payment assistance programs can Queen Creek buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

FHA loans in nearby cities

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FHA loan FAQs for Queen Creek

Queen Creek is in Maricopa County, where HUD's 2026 FHA limit for a one-unit home is $557,750. With 3.5% down, that supports a purchase price up to about $577,000.

3.5% of $576,600 is about $20,181 with a 580+ credit score (10%, or $57,660, with a 500–579 score), plus closing costs.

At the $576,600 median value (above the Arizona median of $358,900), the estimated payment of $4,439/month at 7.18% needs about $191,000 a year under the 28% housing guideline, or $148,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.