Wayne County loan limits 2026Utah: FHA, VA and conforming
For 2026, the conforming loan limit in Wayne County, Utah is $997,050 for a one-unit home, above the $832,750 national baseline because FHFA treats the area as high-cost (FHFA). The FHA forward mortgage limit is $997,050 (HUD). VA sets no loan limit for a veteran with full entitlement; with remaining entitlement, VA uses the $997,050 county limit.
Wayne County loan limits by number of units
| Units | Conforming 2026 | FHA 2026 |
|---|---|---|
| 1 unit | $997,050 | $997,050 |
| 2 units | $1,276,400 | $1,276,400 |
| 3 units | $1,542,900 | $1,542,900 |
| 4 units | $1,917,450 | $1,917,450 |
Conforming limits, announced November 25, 2025, apply to loans Fannie Mae and Freddie Mac acquire from January 1. FHA limits for 2026 apply to case numbers assigned on or after January 1. A lender may set lower maximums.
How Wayne County compares
Wayne County, Utah's 2026 conforming limit of $997,050 is the 3rd highest of 29 counties in Utah. 4 counties in Utah are above the baseline, up to $1,150,000. Nationally the one-unit limit runs from $832,750 to the $1,249,125 high-cost ceiling, higher in Alaska and Hawaii.
FHA: Wayne County, Utah's $997,050 is the 3rd highest in Utah, and 13 counties of 29 in Utah are above the floor (state range $541,287 to $1,163,800).
FHA loan limit in Wayne County
HUD sets the limit from 115 percent of the area's median home price; HUD's median for Non-Metro is $487,000, and its published one-unit limit is $997,050, between the $541,287 floor and the $1,249,125 ceiling. HUD sets FHA limits by metropolitan area and county; Wayne County, Utah is in HUD's Non-Metro area.
For 2026, HUD's national floor is $541,287 (65 percent of the $832,750 conforming limit) and the ceiling is $1,249,125 (150 percent), with a higher ceiling in Alaska, Hawaii, Guam and the U.S. Virgin Islands. The statute caps a one-family FHA loan at 115 percent of the area median, within those bounds (12 U.S.C. 1709(b)(2)).
VA loan limit in Wayne County
Since January 1, 2020, there are no county loan limits for veterans with full VA home loan entitlement. County limits still apply to veterans who have used entitlement and not restored it. For them VA uses FHFA's one-unit conforming limit, $997,050 in Wayne County, Utah for 2026, even when buying a 2 to 4 unit property.
VA's method: remaining entitlement is 25 percent of the county limit minus the entitlement already used and not restored. With $50,000 in use: $249,262.50 minus $50,000 is $199,262.50. VA loans are often pooled in securities that require a 25 percent guaranty, so without a down payment lenders often limit the loan to four times the remaining entitlement: $797,050 here. The county limit does not apply to an Interest Rate Reduction Refinance Loan (IRRRL): above $144,000, VA guarantees 25 percent of an IRRRL regardless of entitlement (VA Circular 26-25-10).
Loan limits in nearby counties
All Utah counties · Loan limits in every state
More for Wayne County
- Wayne County fair market rentHUD Fair Market Rents for studios to 4 bedrooms, the voucher payment standard range and the change from last year.
- Wayne County property tax rateEffective property tax rate from Census survey data: median taxes paid against median home value, ranked in the state.
- Title insurance premium calculatorOwner's and lender's policy premiums from the official rate schedules of Texas, Florida, Pennsylvania and New York.
- Seller net sheet and closing costsNet proceeds after the payoff, commission, transfer taxes, title premiums and recording fees.
- Real estate transfer tax calculatorDeed transfer taxes for New York, Florida, Pennsylvania, Illinois, the Carolinas, Arkansas, Texas and Arizona.
- Flood zone lookupThe FEMA flood zone mapped at any US address. A screening check, not an official flood zone determination.
National pages: conforming loan limits · FHA loan limits · VA loan limits · jumbo loan limit
Check a Wayne County property
HeritageDeed does not search title records in Wayne County yet; the counties it covers are listed under title search coverage, where a title report is $49 per report. For any US address, the Environmental Records Report lists Superfund, hazardous waste, leaking tank and brownfield sites nearby, with the flood zone.
Questions about Wayne County loan limits
What is the conforming loan limit in Wayne County for 2026?
$997,050 for a one-unit home, $1,276,400 for two units, $1,542,900 for three and $1,917,450 for four, effective January 1, 2026. These are the largest loans Fannie Mae and Freddie Mac can buy in Wayne County, Utah (announced November 25, 2025).
What is the FHA loan limit in Wayne County?
$997,050 for one unit, $1,276,400 for two, $1,542,900 for three and $1,917,450 for four units in 2026, for FHA case numbers assigned on or after January 1, 2026. HUD sets the limit from 115 percent of the area's median home price; HUD's median for Non-Metro is $487,000, and its published one-unit limit is $997,050, between the $541,287 floor and the $1,249,125 ceiling.
What is the VA loan limit in Wayne County?
A veteran with full entitlement has no VA loan limit (VA, since January 1, 2020); the lender still decides what you can borrow. With entitlement already in use, VA uses FHFA's one-unit limit, $997,050 for 2026 in Wayne County, Utah, even for a 2 to 4 unit property. Example with $50,000 of entitlement in use: 25 percent of $997,050 is $249,262.50, minus $50,000 leaves $199,262.50 of entitlement, and most lenders lend up to four times that, $797,050, without a down payment.
What is the jumbo loan limit in Wayne County?
A mortgage above $997,050 for a one-unit home in Wayne County, Utah is a jumbo loan in 2026: FHFA defines the conforming limit as the highest amount Fannie Mae or Freddie Mac can acquire and calls mortgages above it jumbo loans. Loans between the $832,750 baseline and $997,050 are conforming here but are often called high-balance loans.
Is Wayne County a high-cost area for loan limits?
Yes. FHFA's 2026 limit for Wayne County, Utah is $997,050, above the $832,750 baseline. FHFA raises a county's limit where 115 percent of the area's median home value exceeds the baseline, up to 150 percent of the baseline.
When will the 2027 loan limits for Wayne County be announced?
FHFA updates the conforming limits at the end of November and they take effect on January 1 (FHFA announced the 2026 limits on November 25, 2025). HUD's FHA limits follow in a mortgagee letter (Mortgagee Letter 2025-23 set the 2026 limits). This page shows the 2027 figures as soon as each agency publishes them. Conforming limits do not decrease.
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/utah/wayne-county. Not lending advice.