Last Updated: Sun, January 5, 2025
Loan Limits in Utah
Utah has 29 counties with
FHA Limits ranging from a low of
$524,225 for a 1-bedroom unit in
Beaver County
to a high of
$2,238,150 for a 4-bedroom unit in
Summit County.
For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Utah's
counties, choose the county from the interactive map or the list below.
Lowest Loan Limit ($1,008,300) †
Highest Loan Limit ($2,238,150)
† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.
Loan Limits by County in Utah (29 counties)
| County |
Single Unit Limit (lowest) |
Four-Plex Limit (highest) |
|
| Beaver County |
$524,225 |
$1,008,300 |
view details » |
| Box Elder County |
$744,050 |
$1,430,900 |
view details » |
| Cache County |
$524,225 |
$1,008,300 |
view details » |
| Carbon County |
$524,225 |
$1,008,300 |
view details » |
| Daggett County |
$524,225 |
$1,008,300 |
view details » |
| Davis County |
$744,050 |
$1,430,900 |
view details » |
| Duchesne County |
$524,225 |
$1,008,300 |
view details » |
| Emery County |
$524,225 |
$1,008,300 |
view details » |
| Garfield County |
$524,225 |
$1,008,300 |
view details » |
| Grand County |
$709,550 |
$1,364,550 |
view details » |
| Iron County |
$524,225 |
$1,008,300 |
view details » |
| Juab County |
$601,450 |
$1,156,650 |
view details » |
| Kane County |
$524,225 |
$1,008,300 |
view details » |
| Millard County |
$524,225 |
$1,008,300 |
view details » |
| Morgan County |
$744,050 |
$1,430,900 |
view details » |
| Piute County |
$524,225 |
$1,008,300 |
view details » |
| Rich County |
$579,600 |
$1,114,650 |
view details » |
| Salt Lake County |
$629,050 |
$1,209,750 |
view details » |
| San Juan County |
$524,225 |
$1,008,300 |
view details » |
| Sanpete County |
$524,225 |
$1,008,300 |
view details » |
| Sevier County |
$524,225 |
$1,008,300 |
view details » |
| Summit County |
$1,163,800 |
$2,238,150 |
view details » |
| Tooele County |
$629,050 |
$1,209,750 |
view details » |
| Uintah County |
$524,225 |
$1,008,300 |
view details » |
| Utah County |
$601,450 |
$1,156,650 |
view details » |
| Wasatch County |
$1,163,800 |
$2,238,150 |
view details » |
| Washington County |
$593,400 |
$1,141,150 |
view details » |
| Wayne County |
$997,050 |
$1,917,450 |
view details » |
| Weber County |
$744,050 |
$1,430,900 |
view details » |
How to qualify for an FHA Loan in Utah?
To qualify for an FHA loan in Utah, your home loan must be below the local FHA loan limits in your area.
For 2025, the maximum loan limit in Utah is $524,225 for a single-family home and $2,238,150 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 Utah.
Additional restricts apply.
Click on the Utah map above or the table below to see loan limits in your area.
Utah 2025 FHA Loan Limits