What is the 2026 jumbo loan limit in Scottsdale, Arizona?

For 2026, the conforming loan limit for a one-unit home in Maricopa County is $832,750, and a loan for more than that is called a jumbo loan. The Federal Housing Finance Agency (FHFA) set $832,750 as the baseline limit for most of the country, and its 2026 county list shows Maricopa County at that baseline. Arizona doesn't have one separate jumbo number of its own. It's the conforming limit for your county, and a loan above it is a jumbo loan.

I'm Jen Keene, a REALTOR® with eXp Luxury in Scottsdale, AZ, and I'm the agent people call at every stage of their life. Below is what FHFA, Freddie Mac and the Consumer Financial Protection Bureau (CFPB) say about the limit and what it changes, with the source named next to each fact.

This is general information, not lending or legal advice. A lender decides what you qualify for and on what terms, so the loan officer you're working with is the one to ask about your own loan. I checked each source on November 9, 2026, and the limit is reset every year, so confirm the current figure before you rely on this one.

A jumbo loan is a mortgage for more than the conforming loan limit. FHFA defines the conforming loan limit as the highest loan amount Fannie Mae or Freddie Mac can acquire, and says mortgages above that limit are known as jumbo loans. The CFPB describes it the same way: each year Fannie Mae, Freddie Mac and FHFA set a maximum amount for the loans Fannie Mae and Freddie Mac will buy, and larger loans are called jumbo mortgages.

So in Maricopa County in 2026, a loan of $832,750 or less on a one-unit home is within the conforming limit, and a loan above $832,750 is a jumbo loan. There is one catch: the number depends on the county and the year, and it's different for a two-, three- or four-unit property.

For 2026, FHFA's county list shows the same one-unit limit, $832,750, for every Arizona county, including Maricopa, Pima, Pinal and Yavapai. That's the national baseline, which FHFA announced on November 25, 2025, up $26,250 from 2025. Freddie Mac's announcement gives the same $832,750 figure for most of the country.

Some counties elsewhere in the U.S. have a higher limit. FHFA sets a higher local limit where 115 percent of the local median home value is more than the baseline, and the most it can be is $1,249,125 for a one-unit home in the lower 48 states. Freddie Mac's announcement gives the same maximum. FHFA's county list for 2026 doesn't show any Arizona county above the baseline, so the higher figure doesn't apply here. FHFA and Freddie Mac treat Alaska, Hawaii, Guam and the U.S. Virgin Islands separately.

Because a federal law, the Housing and Economic Recovery Act of 2008, requires FHFA to adjust it each year. FHFA says the baseline follows the change in the average U.S. home price. For 2026 it measured that change between the third quarter of 2024 and the third quarter of 2025 at 3.26 percent, and the baseline went up by the same percentage, from $806,500 to $832,750. Freddie Mac's announcement gives the same percentage and the same starting point.

FHFA says the 2026 limits apply to mortgages Fannie Mae and Freddie Mac acquire in 2026. It announces each year's values in a news release, and the 2026 values came out in late November 2025. That's why I put the date on the number, and why you should check FHFA for the current figure if you're reading this later.

Fannie Mae and Freddie Mac can't buy a loan above the limit. FHFA says their charters prohibit them from purchasing single-family mortgages with unpaid principal balances above the conforming loan limit. Freddie Mac says its limits are for original loan amounts. A loan within the limit is one they're allowed to buy, and a jumbo loan sits outside that.

For you, the practical result is that the terms depend on the lender. The CFPB's page on conventional loans says the rules for a jumbo loan vary by lender, but that you usually need good credit and a high down payment to qualify. I'm not going to give you a credit score, a down payment percentage or a rate, because those differ from one lender to the next and I can't tell you what a lender will offer you. Ask each lender you talk to what it requires for the loan amount you're considering, and ask each one for the same details so the answers can be compared.

It applies to the loan amount. FHFA defines the limit as the highest loan amount Fannie Mae or Freddie Mac can acquire, and Freddie Mac says its limits are for original loan amounts, not home prices. So a home can cost more than $832,750 and the loan can still be within the limit if you put enough down.

That means two buyers looking at the same home can be on different sides of the line. Which side you're on depends on the loan amount your lender approves, and that's a conversation to have with a loan officer before you start touring homes.

Scottsdale is in Maricopa County, so the limit that applies to a Scottsdale home is the Maricopa County figure, $832,750 for a one-unit home in 2026. That's the number a lender compares your loan amount with.

A loan above that amount is a jumbo loan, and the terms come from the lender, as the section above explains. I have a few other posts on the financing side if you're comparing options: your mortgage options for buying a home in Scottsdale, how to finance a multi-million dollar home in Scottsdale and how to finance a home in DC Ranch.

Go to FHFA. Its conforming loan limit page has the full 2026 county list to download and a map, and its earlier years' lists are there too. The CFPB points to a different tool for the same job, the loan limit lookup from the Department of Housing and Urban Development (HUD), where you pick the state and county and read the one-family figure for Fannie Mae and Freddie Mac. Look at the one-unit column if you're buying a single-family home or a condo, and a different column if the property has two, three or four units.

Your loan officer will already know which limit applies to your loan, so ask them to tell you the limit they're using and the loan amount they're approving you for.

Here's how financing works when you're buying a home, step by step, and here's my guide to buying a home in Scottsdale.

If you're looking at homes above this number and want to talk it through, get in touch or call me at (480) 203-6605. What you qualify for, and on what terms, is a question for your lender.