What are the loan limits in each Arizona county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Apache County | $832,750 | $541,287 | $693,050 | $68,500 |
| Cochise County | $832,750 | $541,287 | $693,050 | $207,400 |
| Coconino County | $832,750 | $609,500 | $780,250 | $413,200 |
| Gila County | $832,750 | $541,287 | $693,050 | $247,000 |
| Graham County | $832,750 | $541,287 | $693,050 | $202,700 |
| Greenlee County | $832,750 | $541,287 | $693,050 | $136,300 |
| La Paz County | $832,750 | $541,287 | $693,050 | $117,600 |
| Maricopa County | $832,750 | $557,750 | $714,000 | $414,700 |
| Mohave County | $832,750 | $541,287 | $693,050 | $253,200 |
| Navajo County | $832,750 | $541,287 | $693,050 | $186,100 |
| Pima County | $832,750 | $541,287 | $693,050 | $286,900 |
| Pinal County | $832,750 | $557,750 | $714,000 | $312,100 |
| Santa Cruz County | $832,750 | $541,287 | $693,050 | $216,100 |
| Yavapai County | $832,750 | $541,287 | $693,050 | $392,900 |
| Yuma County | $832,750 | $541,287 | $693,050 | $195,700 |
Which Arizona counties are high-cost areas?
No Arizona county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Arizona
Frequently asked questions
FHA one-unit limits in Arizona start at $541,287. In Maricopa County, the most populous county, it's $557,750.
The 2026 one-unit conforming limit in Maricopa County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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