What are the loan limits in each Utah county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Beaver County | $832,750 | $541,287 | $693,050 | $287,600 |
| Box Elder County | $832,750 | $541,287 | $693,050 | $357,400 |
| Cache County | $832,750 | $541,287 | $693,050 | $392,800 |
| Carbon County | $832,750 | $541,287 | $693,050 | $200,700 |
| Daggett County | $832,750 | $541,287 | $693,050 | $242,100 |
| Davis County | $832,750 | $744,050 | $952,500 | $470,500 |
| Duchesne County | $832,750 | $541,287 | $693,050 | $253,600 |
| Emery County | $832,750 | $541,287 | $693,050 | $197,100 |
| Garfield County | $832,750 | $541,287 | $693,050 | $285,800 |
| Grand County | $839,500 | $839,500 | $1,074,700 | $480,900 |
| Iron County | $832,750 | $541,287 | $693,050 | $342,900 |
| Juab County | $832,750 | $601,450 | $769,950 | $369,800 |
| Kane County | $832,750 | $541,287 | $693,050 | $350,900 |
| Millard County | $832,750 | $541,287 | $693,050 | $246,400 |
| Morgan County | $832,750 | $744,050 | $952,500 | $600,900 |
| Piute County | $832,750 | $541,287 | $693,050 | $235,400 |
| Rich County | $832,750 | $579,600 | $742,000 | $291,200 |
| Salt Lake County | $832,750 | $637,100 | $815,600 | $484,500 |
| San Juan County | $832,750 | $541,287 | $693,050 | $189,900 |
| Sanpete County | $832,750 | $541,287 | $693,050 | $300,400 |
| Sevier County | $832,750 | $541,287 | $693,050 | $274,100 |
| Summit County | $1,150,000 | $1,163,800 | $1,489,900 | $1,000,400 |
| Tooele County | $832,750 | $637,100 | $815,600 | $391,300 |
| Uintah County | $832,750 | $541,287 | $693,050 | $270,200 |
| Utah County | $832,750 | $601,450 | $769,950 | $489,200 |
| Wasatch County | $1,150,000 | $1,163,800 | $1,489,900 | $724,400 |
| Washington County | $832,750 | $607,200 | $777,300 | $465,600 |
| Wayne County | $997,050 | $997,050 | $1,276,400 | $364,800 |
| Weber County | $832,750 | $744,050 | $952,500 | $389,200 |
Which Utah counties are high-cost areas?
Grand County, Summit County, Wasatch County, Wayne County have conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in Utah
Frequently asked questions
FHA one-unit limits in Utah start at $541,287. In Salt Lake County, the most populous county, it's $637,100.
The 2026 one-unit conforming limit in Salt Lake 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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