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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in AZ - Arizona FHA Mortgage

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.

Select County
County Name One Family Two Family Three Family Four Family
Apache One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cochise One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Coconino One Family$563,500 Two Family$721,400 Three Family$872,000 Four Family$1,083,650
Gila One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Graham One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Greenlee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
La Paz One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Maricopa One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Mohave One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pima One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pinal One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Santa Cruz One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Yavapai One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Yuma One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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