2026 limits · 29 counties
Utah 2026 loan limits for duplexes, triplexes and fourplexes
In Utah, the 2026 FHA limit for a fourplex runs from $1,041,125 to $2,238,150. 16 of 29 counties sit at the national floor; the highest is Summit County, Wasatch County. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is $1,601,750 for a fourplex in most of the state and up to $2,211,600 in 4 high-cost counties.
Every county in Utah
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Beaver County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Box Elder County Brigham City, UT-ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cache County Logan, UT-ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carbon County Price, UT | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Daggett County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Davis County high-cost Ogden, UT | $952,500 | $1,151,400 | $1,430,900 | $1,066,250 | $1,288,800 | $1,601,750 |
| Duchesne County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Emery County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Garfield County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grand County high-cost | $1,074,700 | $1,299,100 | $1,614,450 | $1,074,700 | $1,299,100 | $1,614,450 |
| Iron County Cedar City, UT | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Juab County high-cost Provo-Orem-Lehi, UT | $769,950 | $930,700 | $1,156,650 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kane County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Millard County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morgan County high-cost Ogden, UT | $952,500 | $1,151,400 | $1,430,900 | $1,066,250 | $1,288,800 | $1,601,750 |
| Piute County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rich County high-cost Evanston, WY-UT | $742,000 | $896,900 | $1,114,650 | $1,066,250 | $1,288,800 | $1,601,750 |
| Salt Lake County high-cost Salt Lake City-Murray, UT | $815,600 | $985,900 | $1,225,200 | $1,066,250 | $1,288,800 | $1,601,750 |
| San Juan County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sanpete County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sevier County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Summit County high-cost Heber, UT | $1,489,900 | $1,800,950 | $2,238,150 | $1,472,250 | $1,779,600 | $2,211,600 |
| Tooele County high-cost Salt Lake City-Murray, UT | $815,600 | $985,900 | $1,225,200 | $1,066,250 | $1,288,800 | $1,601,750 |
| Uintah County Vernal, UT | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Utah County high-cost Provo-Orem-Lehi, UT | $769,950 | $930,700 | $1,156,650 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wasatch County high-cost Heber, UT | $1,489,900 | $1,800,950 | $2,238,150 | $1,472,250 | $1,779,600 | $2,211,600 |
| Washington County high-cost St. George, UT | $777,300 | $939,600 | $1,167,700 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne County high-cost | $1,276,400 | $1,542,900 | $1,917,450 | $1,276,400 | $1,542,900 | $1,917,450 |
| Weber County high-cost Ogden, UT | $952,500 | $1,151,400 | $1,430,900 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 16 counties at the floor | $718,186 | $868,082 | $1,078,886 |
| Summit County | $1,543,937 | $1,866,269 | $2,319,326 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in Utah
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 to $1,150,000 in Utah. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.