2019 FHA Loan Limits in Utah

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Updated on Friday, April 5, 2019

The housing market in Utah remains somewhat tight— particularly in areas with high population growth like Salt Lake City. Large construction projects like the one in South Jordan, Utah, are expected to meet some of this increasing demand for moderately priced single-family homes, with nearly half of all buyers in the state shopping for property priced under $300,000.

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Each year, the Federal Housing Administration (FHA) grants thousands of loans to homebuyers in every state, and in 2018 roughly 1.5% of all of these loans were received by Utah residents. In 2016, the most recent year for this report, 21,800 loans were granted in Utah for a total of $4.5 billion in funding.

FHA loan limits are adjusted annually to account for the rising cost of living, and the 2019 FHA loan limits for single-family homes in Utah range from $314,827 to $726,525.

Utah FHA Loan Limits by County

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
BEAVER$314,827 $403,125 $487,250 $605,525 $240,000
BOX ELDER$401,350 $513,800 $621,050 $771,850 $349,000
CACHE$314,827 $403,125 $487,250 $605,525 $250,000
CARBON$314,827 $403,125 $487,250 $605,525 $132,000
DAGGETT$314,827 $403,125 $487,250 $605,525 $237,000
DAVIS$401,350 $513,800 $621,050 $771,850 $349,000
DUCHESNE$314,827 $403,125 $487,250 $605,525 $200,000
EMERY$314,827 $403,125 $487,250 $605,525 $155,000
GARFIELD$314,827 $403,125 $487,250 $605,525 $182,000
GRAND$314,827 $403,125 $487,250 $605,525 $256,000
IRON$314,827 $403,125 $487,250 $605,525 $219,000
JUAB$377,200 $482,850 $583,700 $725,400 $328,000
KANE$314,827 $403,125 $487,250 $605,525 $215,000
MILLARD$314,827 $403,125 $487,250 $605,525 $159,000
MORGAN$401,350 $513,800 $621,050 $771,850 $349,000
PIUTE$314,827 $403,125 $487,250 $605,525 $156,000
RICH$314,827 $403,125 $487,250 $605,525 $195,000
SALT LAKE$388,700 $497,600 $601,500 $747,500 $338,000
SAN JUAN$314,827 $403,125 $487,250 $605,525 $158,000
SANPETE$314,827 $403,125 $487,250 $605,525 $203,000
SEVIER$314,827 $403,125 $487,250 $605,525 $168,000
SUMMIT$726,525 $930,300 $1,124,475 $1,397,400 $670,000
TOOELE$388,700 $497,600 $601,500 $747,500 $338,000
UINTAH$314,827 $403,125 $487,250 $605,525 $219,000
UTAH$377,200 $482,850 $583,700 $725,400 $328,000
WASATCH$462,300 $591,800 $715,400 $889,050 $402,000
WASHINGTON$349,600 $447,550 $540,950 $672,300 $304,000
WAYNE$314,827 $403,125 $487,250 $605,525 $224,000
WEBER$401,350 $513,800 $621,050 $771,850 $349,000

How are FHA loan limits determined?

FHA loan limits represent the maximum mortgage amount covered by the administration in a given year. These limits are calculated according to 115% of the median home price in that county. This year, over 3,000 U.S. counties saw an increase in loan limits.

FHA loan limits are set by the U.S. Department of Housing and Urban Development (HUD) based on that year’s conforming loan limit, which in 2019 is $484,350.

The FHA “floor” limit represents the largest single-family home mortgage the FHA will insure in low-cost areas. In 2019 this number increased from $294,515 to $314,827. The FHA “ceiling” relates to high-cost areas and is calculated based on 150% of the conforming loan limit. This year’s ceiling limit is set at $726,525, which is also the maximum limit for Utah.

Do you qualify for an FHA loan in Utah?

There are a lot of reasons you may be looking into an FHA loan, including the flexible loan qualifications and closing cost assistance. To determine your eligibility for an FHA loan, a lender will likely look at things like your credit score and income to debt ratio as well as your ability to make a down payment.

To learn more about FHA loans and if you qualify, see our complete guide to FHA loans.