Loan Limits / Utah / Salt Lake County
2026 Loan Limits · Utah · SALT LAKE CITY-MURRAY, UT
Salt Lake County, UT.
2026 conforming and FHA loan limits, calibrated to a median sales price of $554,000.
Median Sales Price
$554,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$637,100
Mid-tier
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $637,100 |
| 2-unit (duplex) | $815,600 |
| 3-unit (triplex) | $985,900 |
| 4-unit (fourplex) | $1,225,200 |
About this county
About Salt Lake County
Salt Lake County is located in the U.S. state of Utah. As of the 2020 United States census, the population was 1,185,238, making it the most populous county in Utah. Its county seat and largest city is Salt Lake City, the state capital. The county was created in 1850. Salt Lake County is the 37th most populated county in the United States and is one of four counties in the Intermountain West to make it into the top 100 Salt Lake County has been the only county of the first class in Utah. Under the Utah Code a county of the first class is a county with a population of 1,000,000 or greater. Read more on Wikipedia →
Population
1,184,689
U.S. Census ACS 2023
Median Household Income
$94,658
U.S. Census ACS 2023
Median Home Value (Census)
$484,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
67%
Of occupied housing
What these limits mean for buyers in Salt Lake County
The 2026 conforming 1-unit limit for Salt Lake County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Salt Lake County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $637,100. The HUD CHUMS table pegs the median sales price for Salt Lake County at $554,000. Salt Lake County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Salt Lake County ($554,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Salt Lake County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Salt Lake County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.