FHA Loans in Arizona: 2026 Requirements, Limits & Rates
FHA loans are one of the most widely used financing options for Arizona homebuyers, especially first-time buyers and households that have solid income but limited savings. Backed by the Federal Housing Administration, an FHA loan lets qualified Arizona buyers purchase a primary residence with a down payment as low as 3.5% when their credit score is 580 or higher. Buyers with scores between 500 and 579 may still qualify with a 10% down payment.
How FHA Loans Work in Arizona
Because Arizona home prices vary widely between the Phoenix metro, Tucson, and the state’s smaller markets, the FHA loan limit you can use depends on the county where you are buying. In 2026, most Arizona counties use the national FHA floor of $541,287 for a one-unit home, while Maricopa and Pinal counties are set at $557,750 and Coconino County (Flagstaff) is higher at $609,500. These limits cap the FHA loan amount, not the home price, so buyers who want to spend more can combine a larger down payment with an FHA loan up to the county limit.
FHA financing requires mortgage insurance: an upfront premium of 1.75% of the base loan amount, which is usually financed into the loan, plus an annual premium billed monthly that is around 0.55% for most 30-year buyers putting less than 5% down. That mortgage insurance is what allows the low down payment and flexible credit guidelines, and many Arizona owners later refinance into a conventional loan once they reach roughly 20% equity to remove it.
Learn more with the FHA loan programs guide, estimate your numbers on the FHA calculator, or read the HUD guide to FHA loans.
2026 FHA Loan Limits by Arizona County
Updated January 2026 · one-unit limits
| County | 2026 FHA 1-Unit Limit | Major Cities |
|---|---|---|
| Apache | $541,287 | Eagar, St. Johns |
| Cochise | $541,287 | Sierra Vista, Douglas |
| Coconino | $609,500 | Flagstaff, Sedona, Page |
| Gila | $541,287 | Payson, Globe |
| Graham | $541,287 | Safford |
| Greenlee | $541,287 | Clifton |
| La Paz | $541,287 | Parker, Quartzsite |
| Maricopa | $557,750 | Phoenix, Mesa, Scottsdale |
| Mohave | $541,287 | Lake Havasu City, Kingman, Bullhead City |
| Navajo | $541,287 | Show Low, Winslow |
| Pima | $541,287 | Tucson, Oro Valley, Marana |
| Pinal | $557,750 | Casa Grande, Maricopa, Apache Junction |
| Santa Cruz | $541,287 | Nogales |
| Yavapai | $541,287 | Prescott, Prescott Valley, Cottonwood |
| Yuma | $541,287 | Yuma, San Luis |
Limits shown are FHA one-unit (single-family) loan limits for 2026; two-to-four-unit limits are higher. Figures are subject to change — confirm your county on the HUD loan-limit lookup before relying on a specific number.
Arizona FHA Notes
Maricopa and Pinal counties (Phoenix, Mesa, Scottsdale, Glendale, Chandler, Gilbert) share the higher $557,750 FHA limit, giving metro-Phoenix buyers more room than the national floor.
Tucson and the rest of Pima County use the $541,287 floor limit, which still covers the majority of homes on the local market.
Flagstaff and Coconino County carry the state’s highest FHA limit at $609,500, reflecting northern Arizona’s higher home values.
Arizona’s low property-tax burden helps keep the escrow portion of an FHA payment down, which can improve the debt-to-income math for buyers.
Arizona has relatively low effective property taxes, averaging roughly 0.6% of home value, which keeps the tax portion of an FHA payment modest compared with many states.
FHA Loans in Arizona Cities
See If You Qualify for an FHA Loan in Arizona
Take our two-minute qualifier quiz for a preliminary estimate — not a commitment to lend. Licensed loan originators Tanner Cook (NMLS #2090424) and Zac Cook (NMLS #2111496) will follow up with your options.
Cornerstone First Mortgage, LLC | NMLS #173855. Arizona Mortgage Broker License #0910407, regulated by the Arizona Department of Insurance and Financial Institutions. This site is not from, and is not approved or endorsed by, HUD, the FHA, or any government agency. This is not a commitment to lend. Not all borrowers will qualify. Equal Housing Opportunity.