Current FHA Mortgage Rates in UT

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2025 FHA loan limits for each county in Utah are below.

County Name	One Family	Two Family	Three Family	Four Family

Beaver	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Box Elder	One Family$744,050	Two Family$952,500	Three Family$1,151,400	Four Family$1,430,900
Cache	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Carbon	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Daggett	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Davis	One Family$744,050	Two Family$952,500	Three Family$1,151,400	Four Family$1,430,900
Duchesne	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Emery	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Garfield	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Grand	One Family$709,550	Two Family$908,350	Three Family$1,098,000	Four Family$1,364,550
Iron	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Juab	One Family$601,450	Two Family$769,950	Three Family$930,700	Four Family$1,156,650
Kane	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Millard	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Morgan	One Family$744,050	Two Family$952,500	Three Family$1,151,400	Four Family$1,430,900
Piute	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Rich	One Family$579,600	Two Family$742,000	Three Family$896,900	Four Family$1,114,650
Salt Lake	One Family$629,050	Two Family$805,300	Three Family$973,400	Four Family$1,209,750
San Juan	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Sanpete	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Sevier	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Summit	One Family$1,163,800	Two Family$1,489,900	Three Family$1,800,950	Four Family$2,238,150
Tooele	One Family$629,050	Two Family$805,300	Three Family$973,400	Four Family$1,209,750
Uintah	One Family$524,225	Two Family$671,200	Three Family$811,275	Four Family$1,008,300
Utah	One Family$601,450	Two Family$769,950	Three Family$930,700	Four Family$1,156,650
Wasatch	One Family$1,163,800	Two Family$1,489,900	Three Family$1,800,950	Four Family$2,238,150
Washington	One Family$593,400	Two Family$759,650	Three Family$918,250	Four Family$1,141,150
Wayne	One Family$997,050	Two Family$1,276,400	Three Family$1,542,900	Four Family$1,917,450
Weber	One Family$744,050	Two Family$952,500	Three Family$1,151,400	Four Family$1,430,900

Current FHA Mortgage Rates in UT - Utah FHA Mortgage

Utah Mortgages

2025 FHA Loan Limits for Utah

Mortgage Rates by State