2026 Conforming Loan Limits by County in Arizona
All 15 Arizona counties use the national baseline of $832,750 for a one-unit home in 2026. Loans above that amount are jumbo loans.
Arizona county limits
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Apache County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cochise County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coconino County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gila County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Graham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greenlee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| La Paz County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Maricopa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mohave County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Navajo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pima County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pinal County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Santa Cruz County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yavapai County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yuma County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
What these limits mean
A conforming loan is one that meets Fannie Mae and Freddie Mac's size limit and guidelines, so they can buy it from the lender.
A loan at or below $832,750 for one unit is a standard conforming loan. In a high-cost county, a loan above that up to the county limit is a high-balance conforming loan. Above the county limit, it's a jumbo loan.
Jumbo loans follow each lender's own guidelines and usually need a larger down payment, more cash in reserve and stricter qualifying.
Other states
Source
Source: FHFA conforming loan limit values for calendar year 2026, announced November 25, 2025.