Utah · FIPS 49055
2026 loan limits in Wayne County, Utah
The 2026 conforming loan limit for a one-unit home in Wayne County is $997,050, which is a high-cost limit above the baseline. The 2026 FHA limit is $997,050 (a high-cost FHA area).
- $997,050Conforming, 1 unit (2026)no change vs 2025
- $997,050FHA, 1 unit (2026)no change vs 2025
- $997,050VA, partial entitlement basisFull entitlement: no limit
- 3 of 29Rank in Utahby one-unit conforming limit
| Property | Conforming 2026 | Conforming 2025 | Change | FHA 2026 | FHA 2025 |
|---|---|---|---|---|---|
| 1 unit | $997,050 | $997,050 | no change | $997,050 | $997,050 |
| 2 units | $1,276,400 | $1,276,400 | no change | $1,276,400 | $1,276,400 |
| 3 units | $1,542,900 | $1,542,900 | no change | $1,542,900 | $1,542,900 |
| 4 units | $1,917,450 | $1,917,450 | no change | $1,917,450 | $1,917,450 |
How Wayne County compares
- Utah median one-unit conforming limit: $832,750 across 29 counties. This county is above the state median.
- National baseline for 2026: $832,750; high-cost ceiling: $1,249,125. This county is $164,300 above the baseline.
- HUD area: Non-metro. Median sale price HUD used to set the 2026 FHA limit: $487,000.
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
- HUD CY2025 FHA limits file, dated March 6, 2025.
- U.S. Department of Veterans Affairs, VA Circular 26-25-10, December 1, 2025; VA home loan limits.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed average for the week of October 29, 2026: 7.24%.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.