Wasatch County, Utah loan limits 2026
FIPS 49051 · 3 ZIP codes, e.g. 84032, 84049, 84082 · metro area (CBSA) 25720
In Wasatch County the 2026 conforming loan limit is $1,150,000 for a single-family home — a high-cost area, 38.1% above the national baseline. The FHA limit is $1,163,800. Anything above $1,150,000 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 Wasatch 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) | $1,150,000 | $1,163,800 | 0% |
| 2 units | $1,472,250 | $1,489,900 | 0% |
| 3 units | $1,779,600 | $1,800,950 | 0% |
| 4 units | $2,211,600 | $2,238,150 | 0% |
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. Wasatch County is in metro area CBSA 25720; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $136,200 · Wasatch County, UT
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $74,800 | $85,450 | $96,150 | $106,800 | $115,350 | $123,900 | $132,450 | $141,000 |
| Very low income (50%) | $47,700 | $54,500 | $61,300 | $68,100 | $73,550 | $79,000 | $84,450 | $89,900 |
| Extremely low income (30%) | $28,600 | $32,700 | $36,800 | $40,850 | $44,150 | $47,400 | $50,700 | $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 | $1,284/mo | $1,277 | +0.5% |
| 1 bedroom | $1,575/mo | $1,594 | -1.2% |
| 2 bedrooms | $1,715/mo | $1,747 | -1.8% |
| 3 bedrooms | $2,375/mo | $2,430 | -2.3% |
| 4 bedrooms | $2,867/mo | $2,931 | -2.2% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Wasatch County, UT.
Same metro area
Counties in CBSA 25720 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 Wasatch County, UT for 2026?
$1,150,000 for a one-unit property ($1,472,250 for 2 units, $1,779,600 for 3, $2,211,600 for 4), set by the FHFA; it was $1,149,825 in 2025.
What is the FHA loan limit in Wasatch County?
$1,163,800 for a single-family home in 2026 (HUD), up to $2,238,150 for a four-unit property.
What counts as a jumbo loan in Wasatch County?
A mortgage above $1,150,000 for a single-family home is a jumbo (non-conforming) loan in Wasatch County in 2026.
What are the HUD income limits in Wasatch County?
For a family of four (FY2026): low income $106,800, very low income $68,100, extremely low income $40,850; area median family income $136,200.
What is the fair market rent in Wasatch County?
$1,715 a month for a two-bedroom unit in FY2027 (HUD), $1,575 for one bedroom.