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2026 Utah loan limits by county
Utah has 29 counties in the 2026 FHFA list. The highest one-unit conforming limit is $1,150,000 in Wasatch County; the state median is $832,750. 4 of 29 are above the $832,750 national baseline. 16 sit at the 2026 FHA floor of $541,287.
- 29Counties listed
- $1,150,000Highest 1-unit conformingWasatch County
- $832,750Median 1-unit conforming
- 16At FHA floorof 29
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Beaver County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Box Elder County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cache County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carbon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Daggett County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Davis County | $832,750 | +$26,250 (+3.3%) | $744,050 | $1,601,750 |
| Duchesne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Emery County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Garfield County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grand County | $839,500 | +$33,000 (+4.1%) | $839,500 | $1,614,450 |
| Iron County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Juab County | $832,750 | +$26,250 (+3.3%) | $601,450 | $1,601,750 |
| Kane County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Millard County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Morgan County | $832,750 | +$26,250 (+3.3%) | $744,050 | $1,601,750 |
| Piute County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rich County | $832,750 | +$26,250 (+3.3%) | $579,600 | $1,601,750 |
| Salt Lake County | $832,750 | +$26,250 (+3.3%) | $637,100 | $1,601,750 |
| San Juan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sanpete County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sevier County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Summit County | $1,150,000 | +$175 (+0.0%) | $1,163,800 | $2,211,600 |
| Tooele County | $832,750 | +$26,250 (+3.3%) | $637,100 | $1,601,750 |
| Uintah County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Utah County | $832,750 | +$26,250 (+3.3%) | $601,450 | $1,601,750 |
| Wasatch County | $1,150,000 | +$175 (+0.0%) | $1,163,800 | $2,211,600 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $607,200 | $1,601,750 |
| Wayne County | $997,050 | no change | $997,050 | $1,917,450 |
| Weber County | $832,750 | +$26,250 (+3.3%) | $744,050 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.