Salt Lake County, Utah loan limits 2026
FIPS 49035 · 67 ZIP codes, e.g. 84006, 84009, 84020, 84044, 84047, 84065 · metro area (CBSA) 41620
In Salt Lake County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $637,100. 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 Salt Lake 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 | $637,100 | +3.3% |
| 2 units | $1,066,250 | $815,600 | +3.3% |
| 3 units | $1,288,800 | $985,900 | +3.3% |
| 4 units | $1,601,750 | $1,225,200 | +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. Salt Lake County is in metro area CBSA 41620; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $126,100 · Salt Lake City, UT HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $70,650 | $80,750 | $90,850 | $100,900 | $109,000 | $117,050 | $125,150 | $133,200 |
| Very low income (50%) | $44,150 | $50,450 | $56,750 | $63,050 | $68,100 | $73,150 | $78,200 | $83,250 |
| Extremely low income (30%) | $26,500 | $30,300 | $34,100 | $37,850 | $40,900 | $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 | $1,202/mo | $1,259 | -4.5% |
| 1 bedroom | $1,349/mo | $1,456 | -7.3% |
| 2 bedrooms | $1,615/mo | $1,747 | -7.6% |
| 3 bedrooms | $2,143/mo | $2,333 | -8.1% |
| 4 bedrooms | $2,439/mo | $2,666 | -8.5% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Salt Lake City, UT HUD Metro FMR Area.
Same metro area
Counties in CBSA 41620 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 Salt Lake 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 Salt Lake County?
$637,100 for a single-family home in 2026 (HUD), up to $1,225,200 for a four-unit property.
What counts as a jumbo loan in Salt Lake County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Salt Lake County in 2026.
What are the HUD income limits in Salt Lake County?
For a family of four (FY2026): low income $100,900, very low income $63,050, extremely low income $37,850; area median family income $126,100.
What is the fair market rent in Salt Lake County?
$1,615 a month for a two-bedroom unit in FY2027 (HUD), $1,349 for one bedroom.