FHA loan limits and USDA eligibility for ZIP 85539 — Miami, AZ

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks possible here if income is under the cap.

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USDA property eligibility

Likely eligible for $0 down

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Gila County

1–4 person household income limit

$122,800

5–8 person household income limit

$162,100

  • Gila County (Primary): $122,800 / $162,100
  • Pinal County: $129,250 / $170,650

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2026 FHA loan limits

Gila County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

Pinal County

1-unit

$557,750

2-unit

$714,000

3-unit

$863,100

4-unit

$1,072,600

This ZIP lists more than one county cap. The property address picks the county on the loan.

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Confirm loan options for this ZIP

Maps and ZIP lookups are a first look. A licensed lender can confirm the address, income, and the official cap.

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Loan options for 85539

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific address — then match you if you qualify.

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FAQ for ZIP 85539

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