Tooele County, Utah loan limits 2026
FIPS 49045 · 8 ZIP codes, e.g. 84022, 84029, 84034, 84069, 84071, 84074 · metro area (CBSA) 41620
In Tooele 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 Tooele 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. Tooele County is in metro area CBSA 41620; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $127,100 · Tooele County, UT HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $67,950 | $77,650 | $87,350 | $97,050 | $104,850 | $112,600 | $120,350 | $128,150 |
| Very low income (50%) | $42,500 | $48,550 | $54,600 | $60,650 | $65,550 | $70,400 | $75,200 | $80,050 |
| Extremely low income (30%) | $25,500 | $29,150 | $32,800 | $36,400 | $39,350 | $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 | $873/mo | $902 | -3.2% |
| 1 bedroom | $878/mo | $946 | -7.2% |
| 2 bedrooms | $1,149/mo | $1,241 | -7.4% |
| 3 bedrooms | $1,514/mo | $1,667 | -9.2% |
| 4 bedrooms | $1,920/mo | $2,082 | -7.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Tooele County, 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 Tooele 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 Tooele 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 Tooele County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Tooele County in 2026.
What are the HUD income limits in Tooele County?
For a family of four (FY2026): low income $97,050, very low income $60,650, extremely low income $36,400; area median family income $127,100.
What is the fair market rent in Tooele County?
$1,149 a month for a two-bedroom unit in FY2027 (HUD), $878 for one bedroom.