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FHA loans in Surprise, AZ

Quick answer

The 2026 FHA loan limit in Surprise, 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 $396,000 median home value, that down payment is about $13,860 and the estimated payment is $3,080/month at 7.18%, which needs roughly $132,000 a year in income.

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

Median household income: $93,371; value-to-income ratio 4.24. Surprise ranks 22 by home value and 10 by population among 68 places in our AZ dataset.

What does an FHA loan cost on a typical Surprise home?

ItemSurprise
Median home value (Census ACS)$396,000
Arizona median home value$358,900
Down payment (3.5%)$13,860
Loan incl. 1.75% upfront MIP$388,827
Estimated monthly payment (PITI + MI)$3,080
Income needed (28% / 36%)$132,000 / $103,000
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 Surprise?

Surprise 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 Surprise median home value of $396,000 is 10% above the Arizona median, and within what the county limit supports.

Which down payment assistance programs can Surprise 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 Surprise

Surprise 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 $396,000 is about $13,860 with a 580+ credit score (10%, or $39,600, with a 500–579 score), plus closing costs.

At the $396,000 median value (above the Arizona median of $358,900), the estimated payment of $3,080/month at 7.18% needs about $132,000 a year under the 28% housing guideline, or $103,000 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.