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Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Current FHA Mortgage Rates in AZ - Arizona FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Arizona Mortgages

2024 FHA Loan Limits for Arizona

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Arizona are below.

County Name One Family Two Family Three Family Four Family
Apache One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cochise One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Coconino One Family$525,550 Two Family$672,800 Three Family$813,250 Four Family$1,010,700
Gila One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Graham One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Greenlee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
La Paz One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Maricopa One Family$530,150 Two Family$678,700 Three Family$820,350 Four Family$1,019,550
Mohave One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pima One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pinal One Family$530,150 Two Family$678,700 Three Family$820,350 Four Family$1,019,550
Santa Cruz One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Yavapai One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Yuma One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
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