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Arizona 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Arizona

Arizona has 15 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Apache County to a high of $1,019,550 for a 4-bedroom unit in Maricopa County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Arizona's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($907,900)
Highest Loan Limit ($1,019,550)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Arizona (15 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Apache County $472,030 $907,900 view details »
Cochise County $472,030 $907,900 view details »
Coconino County $517,500 $995,200 view details »
Gila County $472,030 $907,900 view details »
Graham County $472,030 $907,900 view details »
Greenlee County $472,030 $907,900 view details »
La Paz County $472,030 $907,900 view details »
Maricopa County $530,150 $1,019,550 view details »
Mohave County $472,030 $907,900 view details »
Navajo County $472,030 $907,900 view details »
Pima County $472,030 $907,900 view details »
Pinal County $530,150 $1,019,550 view details »
Santa Cruz County $472,030 $907,900 view details »
Yavapai County $472,030 $907,900 view details »
Yuma County $472,030 $907,900 view details »

How to qualify for an FHA Loan in Arizona?

To qualify for an FHA loan in Arizona, your home loan must be below the local FHA loan limits in your area. For 2023, the maximum loan limit in Arizona is $472,030 for a single-family home and $1,019,550 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Arizona. Additional restricts apply. Click on the Arizona map above or the table below to see loan limits in your area.

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