Do You Qualify? Utah Income Limits By Program
Every Utah first-time buyer assistance program has income limits, and they all use different numbers. This page puts them in one place so you can check all of them at once without clicking through six government websites.
Why Income Limits Matter More Than You Think
Income limits exist to direct assistance toward buyers who need it most. The tricky part: most programs count ALL household income, not just the borrowers on the loan. If you're married and your spouse works, both incomes count even if only one person is on the mortgage. This trips up a lot of buyers who think they qualify.
The other thing to know: exceeding the income limit for one program doesn't mean you're out. It usually means you move to the next tier: FHA instead of UHC FirstHome, or UHC's FHA/VA Mortgage / HFA Advantage track (uniform $162,500 limit, no purchase price limit) instead of FirstHome. Understanding the decision tree saves time and frustration.
Master Income Limits Table: All Utah Programs 2026
Every Utah program. One table. Find your income tier in 30 seconds.
| Program | Administered By | 1–2 Person Limit | 3+ Person Limit | Notes |
|---|---|---|---|---|
| UHC FirstHome Loan | Utah Housing Corp | $122,700 (SL Co.) | $141,100 (SL Co.) | First-time buyers; county-tiered. See FirstHome county table below. |
| UHC FHA/VA Mortgage | Utah Housing Corp | $162,500 | $162,500 | Open to repeat buyers. Uniform $162.5K qualifying income, no purchase price limit. |
| UHC HFA Advantage | Utah Housing Corp | $162,500 | $162,500 | Open to repeat buyers. Conventional / Freddie Mac. |
| UHC HomeAgain Loan | Utah Housing Corp | Suspended | Suspended | Temporarily Suspended per UHC official page. See FHA/VA Mortgage instead. |
| UHC Score Loan | Utah Housing Corp | $122,700 (SL Co.) | $141,100 (SL Co.) | 620+ FICO; county-tiered (same county tiers as FirstHome). |
| UHC NoMI Loan | Utah Housing Corp | $162,500 | $162,500 | 700+ FICO; no MI. HFA Advantage backbone with uniform $162.5K income limit. |
| FHA Loan | HUD / Federal | No limit | No limit | DTI ratio matters instead |
| VA Loan | VA / Federal | No limit | No limit | Veterans/active military; DTI applies |
| USDA Loan | USDA Rural Dev. | ~$112,450 | ~$148,450 | ALL household income counts; rural/suburban only |
| Salt Lake County DPA | Salt Lake County | 80% AMI (~$67K) | 80% AMI (~$96K) | Based on HUD Area Median Income; verify current at saltlakecounty.gov |
| Davis County DPA | Davis County | 80% AMI | 80% AMI | Open to repeat buyers too. Verify current at daviscountyutah.gov |
| Utah County HOME | Utah County | 80% AMI | 80% AMI | HUD AMI for Utah County |
| Weber County DPA | Weber County | 80% AMI | 80% AMI | Verify current limits with county |
| SB240 | Utah Housing Corp | Similar to FirstHome | Similar to FirstHome | New construction only. 0% deferred loan with shared-equity recapture (not a grant). |
All figures are approximate 2026 estimates. Official limits update annually. Always verify with your lender before applying.
UHC Income Limits by County & Household Size
UHC FirstHome and Score programs (county-tiered income + purchase price). FHA/VA Mortgage, HFA Advantage, and NoMI use a uniform $162,500 qualifying income limit with no purchase price limit.
| County / Tier | 1–2 Person Income | 3+ Person Income | Max Purchase Price |
|---|---|---|---|
| Salt Lake | $122,700 | $141,100 | $653,000 |
| Tooele | $117,700 | $135,400 | $653,000 |
| Utah, Juab | $142,400 | $166,100 | $763,100 |
| Davis, Morgan, Summit, Wasatch, Weber | $141,300 | $162,450 | $772,400 |
| Washington | $116,100 | $133,500 | $616,000 |
| Box Elder, Grand | $120,000 | $140,100 | $736,600 |
| Beaver, Cache, Carbon, Daggett, Emery, Millard, Rich, Sevier, Uintah | $116,100 | $133,500 | $544,200 |
| Duchesne, Garfield, Iron, Kane, Piute, San Juan, Sanpete, Wayne | $139,300 | $162,450 | $665,100 |
Source: Utah Housing Corporation: Income and Purchase Price Limits. Updated annually.
What Is Counted as Household Income?
Three quick rule sheets so you can self-check before you apply
DOES Count
- ✓All adult borrowers' wages and salary
- ✓Spouse's income (even if not on loan)
- ✓Adult children living in the home (18+)
- ✓Self-employment income (2-year average)
- ✓Rental income (typically 75% of gross)
- ✓Child support / alimony (if 12+ months consistent)
- ✓Social Security / disability
Does NOT Count
- ✓Income from minor children (under 18)
- ✓Income from full-time students (18–25, with restrictions)
- ✓Foster care payments
- ✓Disability payments for minor dependents
- ✓Anticipated bonus income (unless contracted)
- ✓Temporary disability / unemployment
Over the Limit? Next Steps
- ✓Over UHC FirstHome → try UHC FHA/VA Mortgage or HFA Advantage ($162,500 uniform limit)
- ✓Over UHC's $162,500 → FHA/VA conventional with no income limit (DTI matters instead)
- ✓Over USDA → FHA, VA, or conventional
- ✓Over county DPA → still may qualify for UHC DPA
- ✓Over ALL limits → conventional 3–5% down
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Which Utah programs do your numbers actually qualify you for?
Get a free eligibility check. We'll run the numbers across every program at once and tell you exactly which programs you qualify for, and which ones to skip.
What buyers actually ask about income limits
Spousal income, raises, self-employment, and what counts as household income