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Home / Arizona / Maricopa County Loan Limits
2026 conforming and FHA limits · 220+ lenders
A loan limit is a cap on the loan amount, not on the price of the house. For 2026, Maricopa County uses the national conforming baseline of $832,750 for a one-unit home, set by FHFA, and an FHA limit of $557,750, set by HUD. We help you see which limit applies and which loan fits, subject to approval.
Official 2026 limits from FHFA and HUD, retrieved November 11, 2026. 2027 limits are not yet published.
People search "FHA loan limits Maricopa County 2026" and "conforming loan limits 2026 Maricopa County" for a reason: the number decides whether a conventional, FHA, or jumbo loan is even on the table.
Conforming limits apply to conventional loans sold to Fannie Mae or Freddie Mac. FHA limits apply to FHA-insured loans. They are set by different agencies and are not the same number in Maricopa County.
A $900,000 Phoenix home with 20% down is a $720,000 loan, which is under the 2026 conforming limit. The same home with 5% down is an $855,000 loan, which is over it. These are examples only.
FHFA's 2026 county file sets $832,750 (one-unit), $1,066,250 (two-unit), $1,288,800 (three-unit), and $1,601,750 (four-unit) for all 15 Arizona counties. No Arizona county is a high-cost conforming area in 2026.
The 2026 FHA one-unit limit in Maricopa County is $557,750, above the national FHA floor of $541,287 and well below the FHA ceiling of $1,249,125. Pinal County, in the same metro area, has the same FHA limit.
As of November 11, 2026, FHFA has not announced 2027 conforming limits (the 2027 news-release URL returns 404, and the conforming-loan-limit page was last updated October 14, 2026). HUD has not published 2027 FHA limits either. FHFA has announced the next year's limits in late November in recent years. That timing is a pattern, not a promise.
A veteran with full VA entitlement is not capped by the conforming limit in the same way. Remaining entitlement can still interact with the county conforming limit. We will check your Certificate of Eligibility rather than assume.
These are not aggregator estimates. They are the agencies' published 2026 figures.
On November 25, 2025, FHFA announced that the 2026 baseline conforming loan limit for a one-unit home is $832,750, up $26,250 from 2025, a 3.26% increase matching the FHFA House Price Index change from the third quarter of 2024 to the third quarter of 2025. High-cost areas can go as high as 150% of that baseline, or $1,249,125, when 115% of local median home value exceeds the baseline. Arizona does not have a high-cost conforming county in 2026. That is confirmed in FHFA's official county file, which lists Maricopa County, FIPS 04-013, at the baseline for one through four units.
HUD then sets FHA limits from the same $832,750 figure. Mortgagee Letter 2025-23 (December 11, 2025) puts the national FHA floor at 65% of $832,750, or $541,287 for one unit, and the ceiling at 150%, or $1,249,125. For the Phoenix-Mesa-Chandler area, HUD used a median sale price of $485,000. One hundred fifteen percent of $485,000 equals $557,750, which is the official 2026 one-unit FHA limit for Maricopa County and for Pinal County, effective for case numbers assigned on or after January 1, 2026.
We retrieved both official sources on November 11, 2026: FHFA's 2026 county CSV, and HUD's FHA limits lookup plus the CY2026 FHA Forward limits file.
One-unit is a typical single-family home or condominium. Two- to four-unit limits apply when the property has that many units.
These are also the 2026 conforming limits for every other Arizona county.
| Units | 2026 limit |
|---|---|
| One-unit | $832,750 |
| Two-unit | $1,066,250 |
| Three-unit | $1,288,800 |
| Four-unit | $1,601,750 |
Pinal County has the same FHA figures. The rest of Arizona is at the floor, except Coconino, which is higher. Full table: FHA requirements in Arizona.
| Units | 2026 limit |
|---|---|
| One-unit | $557,750 |
| Two-unit | $714,000 |
| Three-unit | $863,100 |
| Four-unit | $1,072,600 |
A lender may set a lower maximum than the agency limit. Qualifying, credit, property type, and condo rules can still stop a loan that is under the cap. Being under the limit is necessary. It is not sufficient.
A higher price is workable when the loan amount, after your down payment, stays under the right cap.
Here is how people actually use these numbers when they shop in Phoenix, Mesa, Chandler, Gilbert, Scottsdale, Glendale, Tempe, Peoria, Surprise, or elsewhere in Maricopa County. The figures are examples of loan-amount math only. They are not offers, and they do not use an interest rate.
A $550,000 home with 3.5% down is a $529,250 loan, under the $557,750 FHA limit. FHA, and Arizona FHA assistance such as Home Plus or Home in Five, can be on the table, subject to eligibility. See FHA requirements in Arizona.
A $700,000 home with 10% down is a $630,000 loan: over the FHA limit, under the $832,750 conforming limit. A conventional loan is usually the conversation, not FHA, unless a larger down payment brings the FHA loan under $557,750.
A $950,000 home with 10% down is an $855,000 loan, over the 2026 conforming limit. That is generally jumbo territory, with its own guidelines. A larger down payment can bring the same price back under the conforming cap (20% down would be a $760,000 loan). Jumbo is not automatically worse. It is a different rulebook.
Down payment assistance does not raise the FHA or conforming limit. It can reduce how much cash you bring to closing, but the first mortgage still has to fit under the cap. See Arizona down payment assistance.
If you are self-employed, or buying after a bankruptcy, the limit is only one gate. See self-employed mortgages and buying after bankruptcy as well.
Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.
For a one-unit home, it is $832,750. For two, three, and four units, it is $1,066,250, $1,288,800, and $1,601,750. Those are FHFA's 2026 baseline limits, and they apply in every Arizona county. Source: FHFA's 2026 county conforming-loan-limit file, retrieved November 11, 2026.
For a one-unit home, it is $557,750. For two, three, and four units, it is $714,000, $863,100, and $1,072,600. These apply to FHA case numbers assigned on or after January 1, 2026. Source: HUD's FHA mortgage limits lookup for Maricopa County, CY2026, retrieved November 11, 2026.
No. It is a cap on the base loan amount. A more expensive home can still work if your down payment brings the loan under the limit. A home priced under the limit can still need a jumbo or a different program if you put very little down.
Not as of November 11, 2026. FHFA has not published 2027 conforming limits, and HUD has not published 2027 FHA limits. In recent years FHFA has announced the next year's limits in late November. We will update this page when the official 2027 figures are released.
No, not in 2026. All 15 Arizona counties are at the $832,750 one-unit baseline. FHA limits do vary: Coconino County is $609,500 for one unit, Maricopa and Pinal are $557,750, and the other 12 counties are at the $541,287 FHA floor.
That is generally a jumbo loan, which is not purchased by Fannie Mae or Freddie Mac under standard conforming rules. Jumbo guidelines and documentation are different. We can still shop jumbo options across wholesale lenders, subject to approval.
A borrower with full VA entitlement is generally not limited by the conforming county limit in the same way. If entitlement is partial, the county conforming limit can still matter. We check your Certificate of Eligibility. See our VA loans page.
Written by Jerry L Kindig III, NMLS #2397823, a mortgage loan originator licensed in Arizona. Loan Factory, NMLS #320841. Equal Housing Opportunity. Program rules, income limits, assistance amounts, and loan limits change. Confirm current terms with the program administrator and a licensed loan officer before you make a decision. All loans and assistance are subject to approval and eligibility. Nothing on this page is a promise of approval, a loan offer, or a commitment to lend.
Tell us the price range and the county, and a licensed loan officer will follow up. All loans are subject to approval.