Maricopa County, Arizona loan limits 2026
FIPS 04013 · 194 ZIP codes, e.g. 85001, 85002, 85003, 85004, 85005, 85006 · metro area (CBSA) 38060
In Maricopa County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $557,750. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Maricopa County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $557,750 | +3.3% |
| 2 units | $1,066,250 | $714,000 | +3.3% |
| 3 units | $1,288,800 | $863,100 | +3.3% |
| 4 units | $1,601,750 | $1,072,600 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Maricopa County is in metro area CBSA 38060; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $112,400 · Phoenix-Mesa-Chandler, AZ MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $62,950 | $71,950 | $80,950 | $89,900 | $97,100 | $104,300 | $111,500 | $118,700 |
| Very low income (50%) | $39,350 | $45,000 | $50,600 | $56,200 | $60,700 | $65,200 | $69,700 | $74,200 |
| Extremely low income (30%) | $23,600 | $27,000 | $30,350 | $33,700 | $38,680 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,390/mo | $1,457 | -4.6% |
| 1 bedroom | $1,493/mo | $1,583 | -5.7% |
| 2 bedrooms | $1,734/mo | $1,839 | -5.7% |
| 3 bedrooms | $2,287/mo | $2,452 | -6.7% |
| 4 bedrooms | $2,537/mo | $2,720 | -6.7% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Phoenix-Mesa-Chandler, AZ MSA.
Same metro area
Counties in CBSA 38060 share the same loan limits.
Other counties in Arizona
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Maricopa County, AZ for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Maricopa County?
$557,750 for a single-family home in 2026 (HUD), up to $1,072,600 for a four-unit property.
What counts as a jumbo loan in Maricopa County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Maricopa County in 2026.
What are the HUD income limits in Maricopa County?
For a family of four (FY2026): low income $89,900, very low income $56,200, extremely low income $33,700; area median family income $112,400.
What is the fair market rent in Maricopa County?
$1,734 a month for a two-bedroom unit in FY2027 (HUD), $1,493 for one bedroom.