AZ mortgage rates

Maricopa County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Maricopa County, Arizona. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Maricopa County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$557,750
2 units$714,000
3 units$863,100
4 units$1,072,600

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Maricopa County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Maricopa

A local view of the market.

Maricopa County, AZ, has a booming real estate market, with median home values around $535,000 in 2024. Phoenix, the county seat and capital of Arizona, drives demand with its growing population and strong job market. Phoenix, the largest city, has a population of about 1.6 million. Other major cities include Mesa (500,000), Chandler (280,000), and Glendale (250,000). Maricopa County offers a mix of urban, suburban, and rural living, with a diverse economy that includes tech, healthcare, and finance. Known for its sunny weather, cultural attractions, and economic opportunities, it attracts families, professionals, and retirees seeking a dynamic urban lifestyle with nearby outdoor recreation.

County snapshot

Market context.

AZ

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaPhoenix-Mesa-ChandlerMapped market area
Area code38060CBSA / MSA reference
Featured communitiesFountain Hills · Mesa · GilbertFrom the county record
Data year2026Aligned with this limit record
Fountain HillsMesaGilbert
Top cities & communities

Communities to explore.

Fountain HillsMesaGilbertGoodyearBuckeyePhoenixSurpriseTempeChandlerPeoriaEl MirageQueen CreekScottsdaleGlendaleAvondale
Questions & Answers

Refinancing in Maricopa County

Common questions about 2026 loan limits and refinancing opportunities in Arizona.

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