Avg Home Value
$455,000
Lending Limit
$1,209,750
Arizona Housing Market Analysis
The housing market in Arizona is stable, with average values sitting at $455,000. This places most homeowners comfortably within the FHA's lending limits, ensuring you get the full benefit of federal insurance protections.
Loan Limits in Arizona
For 2026, the federal lending limit is $1,209,750.
Since the median home value in Arizona 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 Arizona
Arizona 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.
Tax Note: Property taxes are moderate, and Social Security income is not taxed at the state level.
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