Morgan County, Utah loan limits 2026
FIPS 49029 · 2 ZIP codes, e.g. 84018, 84050 · metro area (CBSA) 36260
In Morgan County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $744,050. 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 Morgan 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 | $744,050 | +3.3% |
| 2 units | $1,066,250 | $952,500 | +3.3% |
| 3 units | $1,288,800 | $1,151,400 | +3.3% |
| 4 units | $1,601,750 | $1,430,900 | +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. Morgan County is in metro area CBSA 36260; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $117,900 · Ogden, UT MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $66,050 | $75,450 | $84,900 | $94,300 | $101,850 | $109,400 | $116,950 | $124,500 |
| Very low income (50%) | $41,300 | $47,200 | $53,100 | $58,950 | $63,700 | $68,400 | $73,100 | $77,850 |
| Extremely low income (30%) | $24,750 | $28,300 | $31,850 | $35,350 | $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 | $1,184/mo | $1,208 | -2% |
| 1 bedroom | $1,251/mo | $1,281 | -2.3% |
| 2 bedrooms | $1,591/mo | $1,614 | -1.4% |
| 3 bedrooms | $2,132/mo | $2,163 | -1.4% |
| 4 bedrooms | $2,550/mo | $2,612 | -2.4% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Ogden, UT MSA.
Same metro area
Counties in CBSA 36260 share the same loan limits.
Other counties in Utah
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 Morgan County, UT 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 Morgan County?
$744,050 for a single-family home in 2026 (HUD), up to $1,430,900 for a four-unit property.
What counts as a jumbo loan in Morgan County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Morgan County in 2026.
What are the HUD income limits in Morgan County?
For a family of four (FY2026): low income $94,300, very low income $58,950, extremely low income $35,350; area median family income $117,900.
What is the fair market rent in Morgan County?
$1,591 a month for a two-bedroom unit in FY2027 (HUD), $1,251 for one bedroom.