Arizona mortgage rates and loan limits
Updated Oct 8, 2026Today's estimates are national: the same in every state until a local adjustment, from the loans lenders report under the Home Mortgage Disclosure Act (HMDA), arrives. What is Arizona's own is its 2026 loan limits.
Arizona loan limits, 2026
Conforming loan limit
for loans Fannie Mae and Freddie Mac buy, set by the FHFA
$832,750
The standard limit for a one-unit home. No Arizona county is above it.
FHA loan limit
for loans the FHA insures, set by HUD
$541,287
The standard limit for a one-unit home. 3 Arizona counties are above it, from $557,750 to $609,500.
Published limits. From FHA loan limits (HUD), 2026; Conforming loan limits (FHFA), 2026.
FHA forward mortgage limits by county from the U.S. Department of Housing and Urban Development; a U.S. government work in the public domain.
Conforming loan limits by county from the Federal Housing Finance Agency; a U.S. government work in the public domain.
Today's national estimates
| Loan | Refinance | Buy | ||
|---|---|---|---|---|
| Rate | APR | Rate | APR | |
| 30-year fixed | 7.364% | 7.484% | 7.314% | 7.434% |
| 15-year fixed | 6.735% | 6.925% | 6.735% | 6.925% |
| 5/6 adjustable-rate | 5.461% | 6.551% | 5.411% | 6.501% |
Estimates for Oct 7, 2026, for 760–779 credit, 20% down, $400,000 loan, each rate at the points typical for its loan. A national estimate, the same in every state. A local adjustment, from the loans lenders report under the Home Mortgage Disclosure Act (HMDA), comes later.
Estimate, not an offer. Built from Average prime offer rates (FFIEC), week of Oct 5, 2026; Loan-level price adjustments (Fannie Mae), dated Sep 30, 2026; Daily Treasury par yield curve (U.S. Treasury), Oct 7, 2026.
Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.
Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.
10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.