Reference only — not financial, legal, or lending advice. Each page states the dataset and year it uses. DotGovSource is an independent private website. It is not affiliated with, endorsed by, or operated by any U.S. government agency.
Skip to main content

2026 conforming loan limits · Utah

Utah has 4 distinct one-unit conforming limits, from $832,750 to $1,150,000. 4 of 29 counties sit above the $832,750 baseline that applies here.

CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.

Utah at a glance

FHFA 2026 conforming loan limit summary for Utah
MetricValue
Counties29
Lowest one-unit conforming limit$832,750
Highest one-unit conforming limit$1,150,000
Distinct one-unit limits4
Applicable baseline$832,750
Above the applicable baseline4 of 29 (13.8%)
At the applicable ceiling0
Dataset yearCY2026

How Utah splits

Distribution of 2026 one-unit conforming limits across Utah
FHFA positionCountiesShareLowestHighest
At the baseline2586.2%$832,750$832,750
Above baseline, below ceiling413.8%$839,500$1,150,000

Highest limits in Utah: Summit County ($1,150,000), Wasatch County ($1,150,000), Wayne County ($997,050), Grand County ($839,500), Beaver County ($832,750).

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.

Conforming and FHA one-unit limits by county · Utah
CountyMetroConforming 1-unit (2026)FHA 1-unit (2026)Difference
Beaver CountyRural / Non-metro$832,750$541,287$291,463
Box Elder CountyBRIGHAM CITY, UT-ID$832,750$541,287$291,463
Cache CountyLOGAN, UT-ID$832,750$541,287$291,463
Carbon CountyPRICE, UT$832,750$541,287$291,463
Daggett CountyRural / Non-metro$832,750$541,287$291,463
Davis CountyOGDEN, UT$832,750$744,050$88,700
Duchesne CountyRural / Non-metro$832,750$541,287$291,463
Emery CountyRural / Non-metro$832,750$541,287$291,463
Garfield CountyRural / Non-metro$832,750$541,287$291,463
Grand CountyRural / Non-metro$839,500$839,500$0
Iron CountyCEDAR CITY, UT$832,750$541,287$291,463
Juab CountyPROVO-OREM-LEHI, UT$832,750$601,450$231,300
Kane CountyRural / Non-metro$832,750$541,287$291,463
Millard CountyRural / Non-metro$832,750$541,287$291,463
Morgan CountyOGDEN, UT$832,750$744,050$88,700
Piute CountyRural / Non-metro$832,750$541,287$291,463
Rich CountyEVANSTON, WY-UT$832,750$579,600$253,150
Salt Lake CountySALT LAKE CITY-MURRAY, UT$832,750$637,100$195,650
San Juan CountyRural / Non-metro$832,750$541,287$291,463
Sanpete CountyRural / Non-metro$832,750$541,287$291,463
Sevier CountyRural / Non-metro$832,750$541,287$291,463
Summit CountyHEBER, UT$1,150,000$1,163,800-$13,800
Tooele CountySALT LAKE CITY-MURRAY, UT$832,750$637,100$195,650
Uintah CountyVERNAL, UT$832,750$541,287$291,463
Utah CountyPROVO-OREM-LEHI, UT$832,750$601,450$231,300
Wasatch CountyHEBER, UT$1,150,000$1,163,800-$13,800
Washington CountyST. GEORGE, UT$832,750$607,200$225,550
Wayne CountyRural / Non-metro$997,050$997,050$0
Weber CountyOGDEN, UT$832,750$744,050$88,700

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.

Conforming limits for one to four units by county · Utah
County1 unit2 units3 units4 units
Beaver County$832,750$1,066,250$1,288,800$1,601,750
Box Elder County$832,750$1,066,250$1,288,800$1,601,750
Cache County$832,750$1,066,250$1,288,800$1,601,750
Carbon County$832,750$1,066,250$1,288,800$1,601,750
Daggett County$832,750$1,066,250$1,288,800$1,601,750
Davis County$832,750$1,066,250$1,288,800$1,601,750
Duchesne County$832,750$1,066,250$1,288,800$1,601,750
Emery County$832,750$1,066,250$1,288,800$1,601,750
Garfield County$832,750$1,066,250$1,288,800$1,601,750
Grand County$839,500$1,074,700$1,299,100$1,614,450
Iron County$832,750$1,066,250$1,288,800$1,601,750
Juab County$832,750$1,066,250$1,288,800$1,601,750
Kane County$832,750$1,066,250$1,288,800$1,601,750
Millard County$832,750$1,066,250$1,288,800$1,601,750
Morgan County$832,750$1,066,250$1,288,800$1,601,750
Piute County$832,750$1,066,250$1,288,800$1,601,750
Rich County$832,750$1,066,250$1,288,800$1,601,750
Salt Lake County$832,750$1,066,250$1,288,800$1,601,750
San Juan County$832,750$1,066,250$1,288,800$1,601,750
Sanpete County$832,750$1,066,250$1,288,800$1,601,750
Sevier County$832,750$1,066,250$1,288,800$1,601,750
Summit County$1,150,000$1,472,250$1,779,600$2,211,600
Tooele County$832,750$1,066,250$1,288,800$1,601,750
Uintah County$832,750$1,066,250$1,288,800$1,601,750
Utah County$832,750$1,066,250$1,288,800$1,601,750
Wasatch County$1,150,000$1,472,250$1,779,600$2,211,600
Washington County$832,750$1,066,250$1,288,800$1,601,750
Wayne County$997,050$1,276,400$1,542,900$1,917,450
Weber 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)

    Dataset year
    2026 (CY2026)
    Effective
    January 1, 2026
    Retrieved
    December 12, 2025

    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

    https://www.fhfa.gov/data/conforming-loan-limit

  • U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits

    Dataset year
    2026 (CY2026)
    Effective
    January 1, 2026
    Retrieved
    December 12, 2025

    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)

    https://apps.hud.gov/pub/chums/cy2026-forward-limits.txt