Avg Home Value
$560,000
Lending Limit
$1,209,750
Utah Housing Market Analysis
The housing market in Utah is stable, with average values sitting at $560,000. This places most homeowners comfortably within the FHA's lending limits, ensuring you get the full benefit of federal insurance protections.
Loan Limits in Utah
For 2026, the federal lending limit is $1,209,750.
Since the median home value in Utah is below this cap, your loan amount will be determined strictly by your age and current interest rates, not by the lending cap.
Specific Laws for Utah
Utah generally follows standard federal HUD guidelines for reverse mortgages. This includes the requirement for independent counseling and the right to a 3-day rescission period after closing.
Calculate Your Proceeds
Free Reverse Mortgage Calculator
Updated for 2025 Limits
Secure & Private. No Credit Check.
See Your Utah Estimate
Get a personalized calculation based on your specific zip code.
Want a More Detailed Estimate?
Our full quiz provides a personalized breakdown including set-asides, disbursement options, and exact loan limits for your area.