Utah conforming loan limits 2026
Utah has 29 counties. 4 of them sit on a figure above the $832,750 baseline, spread over 3 distinct figures; the highest in the state is $1,150,000.
4 of its 29 counties qualify for a high-cost figure above the $832,750 baseline. For 2026, the figure moved in 28 of its 29 counties and 1 stayed the same.
Utah ranks 38th of 56 jurisdictions by county count, and 17th by highest limit. Of its counties, 16 sit inside a metropolitan or micropolitan area, across 11 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
Figures used in Utah
- $1,150,000 — 2 counties in Utah
- $997,050 — 1 county in Utah
- $839,500 — 1 county in Utah
All counties in Utah
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Beaver County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Box Elder County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cache County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Carbon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Daggett County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Davis County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Duchesne County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Emery County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Garfield County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grand County | $839,500 | $806,500 | $766,550 | +4.1% | none |
| Iron County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Juab County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kane County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Millard County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Morgan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Piute County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rich County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Salt Lake County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| San Juan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sanpete County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sevier County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Summit County | $1,150,000 | $1,149,825 | $1,149,825 | +0.0% | 2 in all |
| Tooele County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Uintah County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Utah County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wasatch County | $1,150,000 | $1,149,825 | $1,149,825 | +0.0% | 2 in all |
| Washington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wayne County | $997,050 | $997,050 | $997,050 | +0.0% | none |
| Weber County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Utah use the baseline conforming loan limit?
No. 4 of 29 counties are above the $832,750 baseline, and the state's highest limit is $1,150,000.
What counts as a jumbo loan in Utah?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.