2026 conforming loan limits · Arizona
All 15 counties in Arizona use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Arizona at a glance
| Metric | Value |
|---|---|
| Counties | 15 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 15 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in Arizona carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Apache County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cochise County | SIERRA VISTA-DOUGLAS, AZ | $832,750 | $541,287 | $291,463 |
| Coconino County | FLAGSTAFF, AZ | $832,750 | $609,500 | $223,250 |
| Gila County | PAYSON, AZ | $832,750 | $541,287 | $291,463 |
| Graham County | SAFFORD, AZ | $832,750 | $541,287 | $291,463 |
| Greenlee County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| La Paz County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Maricopa County | PHOENIX-MESA-CHANDLER, AZ | $832,750 | $557,750 | $275,000 |
| Mohave County | LAKE HAVASU CITY-KINGMAN, AZ | $832,750 | $541,287 | $291,463 |
| Navajo County | SHOW LOW, AZ | $832,750 | $541,287 | $291,463 |
| Pima County | TUCSON, AZ | $832,750 | $541,287 | $291,463 |
| Pinal County | PHOENIX-MESA-CHANDLER, AZ | $832,750 | $557,750 | $275,000 |
| Santa Cruz County | NOGALES, AZ | $832,750 | $541,287 | $291,463 |
| Yavapai County | PRESCOTT VALLEY-PRESCOTT, AZ | $832,750 | $541,287 | $291,463 |
| Yuma County | YUMA, AZ | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Apache County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cochise County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coconino County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gila County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Graham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greenlee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| La Paz County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Maricopa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mohave County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Navajo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pima County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pinal County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Santa Cruz County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yavapai County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yuma County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)