Wayne County, Utah loan limits 2026
FIPS 49055 · 6 ZIP codes, e.g. 84715, 84734, 84747, 84749, 84773, 84775
In Wayne County the 2026 conforming loan limit is $997,050 for a single-family home — a high-cost area, 19.7% above the national baseline. The FHA limit is $997,050. Anything above $997,050 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 Wayne 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) | $997,050 | $997,050 | 0% |
| 2 units | $1,276,400 | $1,276,400 | 0% |
| 3 units | $1,542,900 | $1,542,900 | 0% |
| 4 units | $1,917,450 | $1,917,450 | 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.
HUD income limits FY2026
Area median family income: $99,300 · Wayne County, UT
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $59,550 | $68,050 | $76,550 | $85,050 | $91,900 | $98,700 | $105,500 | $112,300 |
| Very low income (50%) | $37,250 | $42,550 | $47,850 | $53,150 | $57,450 | $61,700 | $65,950 | $70,200 |
| Extremely low income (30%) | $22,350 | $25,550 | $28,750 | $33,000 | $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 | $766/mo | $711 | +7.7% |
| 1 bedroom | $834/mo | $810 | +3% |
| 2 bedrooms | $1,023/mo | $973 | +5.1% |
| 3 bedrooms | $1,219/mo | $1,228 | -0.7% |
| 4 bedrooms | $1,693/mo | $1,632 | +3.7% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Wayne County, UT.
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 Wayne County, UT for 2026?
$997,050 for a one-unit property ($1,276,400 for 2 units, $1,542,900 for 3, $1,917,450 for 4), set by the FHFA; it was $997,050 in 2025.
What is the FHA loan limit in Wayne County?
$997,050 for a single-family home in 2026 (HUD), up to $1,917,450 for a four-unit property.
What counts as a jumbo loan in Wayne County?
A mortgage above $997,050 for a single-family home is a jumbo (non-conforming) loan in Wayne County in 2026.
What are the HUD income limits in Wayne County?
For a family of four (FY2026): low income $85,050, very low income $53,150, extremely low income $33,000; area median family income $99,300.
What is the fair market rent in Wayne County?
$1,023 a month for a two-bedroom unit in FY2027 (HUD), $834 for one bedroom.