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Florida FHA Loan Limits (2026): County-by-County Guide

See the new 2026 FHA loan limits in Florida. Updated county-by-county to help buyers know how much they can borrow.

Phil Ganz
Written by
Phil Ganz
Ryan Skerritt
Reviewed by
Ryan Skerritt
Fact Checked
Updated March 24, 2026·6 min read
Modern Florida home with SOLD sign, tile roof, and palm trees on a bright sunny day

FHA loan limits determine how much you can borrow with an FHA mortgage based on your county and property type, and they change every year as home prices rise and fall.

For many Florida buyers — especially first-time homebuyers — these limits can be the difference between qualifying for a home or having to explore other loan options.

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2026 FHA Loan Limits in Florida by County

Florida FHA loan limits set the maximum FHA-insured mortgage you can get in each county.

In 2026, most Florida counties use the standard 1-unit limit of $541,287, while higher-cost areas go up to $990,150 in Monroe County (and $667,000 in Broward, Miami-Dade, and Palm Beach).

Use the county table below to confirm your FHA limit by unit count (1 to 4 units).

County1-Unit2-Unit3-Unit4-Unit
Alachua$541,287$693,050$837,700$1,041,125
Baker$580,750$743,450$898,550$1,116,200
Bay$541,287$693,050$837,700$1,041,125
Bradford$541,287$693,050$837,700$1,041,125
Brevard$541,287$693,050$837,700$1,041,125
Broward$667,000$853,550$1,031,000$1,281,350
Calhoun$541,287$693,050$837,700$1,041,125
Charlotte$541,287$693,050$837,700$1,041,125
Citrus$541,287$693,050$837,700$1,041,125
Clay$580,750$743,450$898,550$1,116,200
Collier$764,750$979,450$1,183,400$1,470,300
Columbia$541,287$693,050$837,700$1,041,125
DeSoto$541,287$693,050$837,700$1,041,125
Dixie$541,287$693,050$837,700$1,041,125
Duval$580,750$743,450$898,550$1,116,200
Escambia$541,287$693,050$837,700$1,041,125
Flagler$541,287$693,050$837,700$1,041,125
Franklin$541,287$693,050$837,700$1,041,125
Gadsden$541,287$693,050$837,700$1,041,125
Gilchrist$541,287$693,050$837,700$1,041,125
Glades$541,287$693,050$837,700$1,041,125
Gulf$541,287$693,050$837,700$1,041,125
Hamilton$541,287$693,050$837,700$1,041,125
Hardee$541,287$693,050$837,700$1,041,125
Hendry$541,287$693,050$837,700$1,041,125
Hernando$541,287$693,050$837,700$1,041,125
Highlands$541,287$693,050$837,700$1,041,125
Hillsborough$541,287$693,050$837,700$1,041,125
Holmes$541,287$693,050$837,700$1,041,125
Indian River$541,287$693,050$837,700$1,041,125
Jackson$541,287$693,050$837,700$1,041,125
Jefferson$541,287$693,050$837,700$1,041,125
Lafayette$541,287$693,050$837,700$1,041,125
Lake$541,287$693,050$837,700$1,041,125
Lee$541,287$693,050$837,700$1,041,125
Leon$541,287$693,050$837,700$1,041,125
Levy$541,287$693,050$837,700$1,041,125
Liberty$541,287$693,050$837,700$1,041,125
Madison$541,287$693,050$837,700$1,041,125
Manatee$541,287$693,050$837,700$1,041,125
Marion$541,287$693,050$837,700$1,041,125
Martin$603,750$772,450$932,750$1,158,600
Miami-Dade$667,000$853,550$1,031,000$1,281,350
Monroe$990,150$1,267,750$1,531,850$1,903,200
Nassau$580,750$743,450$898,550$1,116,200
Okaloosa$603,750$772,450$932,750$1,158,600
Okeechobee$541,287$693,050$837,700$1,041,125
Orange$541,287$693,050$837,700$1,041,125
Osceola$541,287$693,050$837,700$1,041,125
Palm Beach$667,000$853,550$1,031,000$1,281,350
Pasco$541,287$693,050$837,700$1,041,125
Pinellas$541,287$693,050$837,700$1,041,125
Polk$541,287$693,050$837,700$1,041,125
Putnam$541,287$693,050$837,700$1,041,125
Santa Rosa$541,287$693,050$837,700$1,041,125
Sarasota$541,287$693,050$837,700$1,041,125
Seminole$541,287$693,050$837,700$1,041,125
St. Johns$541,287$693,050$837,700$1,041,125
St. Lucie$603,750$772,450$932,750$1,158,600
Sumter$541,287$693,050$837,700$1,041,125
Suwannee$541,287$693,050$837,700$1,041,125
Taylor$541,287$693,050$837,700$1,041,125
Union$541,287$693,050$837,700$1,041,125
Volusia$541,287$693,050$837,700$1,041,125
Wakulla$541,287$693,050$837,700$1,041,125
Walton$603,750$772,450$932,750$1,158,600
Washington$541,287$693,050$837,700$1,041,125

FHA loan limits are set annually by HUD and vary by county based on local home prices. They determine the maximum loan amount FHA will insure, regardless of down payment size.

FHA loan limits apply to the loan amount, not the purchase price.

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How FHA Loan Limits Affect First-Time Homebuyers in Florida

FHA loans remain one of the most popular options for first-time buyers due to:

However, FHA loan limits still cap borrowing power — especially in higher-priced counties.

First-time buyers should:

  • Confirm county limits early
  • Compare FHA vs conventional options
  • Pair FHA with down payment assistance when possible

How FHA Loan Limits Impact Refinancing in Florida

FHA loan limits also apply to:

  • FHA rate-and-term refinances
  • FHA cash-out refinances

If your loan balance exceeds current limits, you may need:

Rising home values can make refinancing more flexible — but only if limits allow.

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Final Thoughts

FHA loan limits directly affect how much home you can afford — and they change every year.

Whether you are buying your first home, upgrading, or refinancing in Florida, knowing your county's FHA loan limits gives you a clear financial advantage.

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Frequently Asked Questions

What are the 2026 FHA loan limits in Florida?
In 2026, Florida FHA loan limits vary by county and unit count. Many counties are $541,287 for a 1-unit home, while the highest county (Monroe) reaches $990,150 for a 1-unit home.
Which Florida county has the highest FHA loan limit?
Monroe County has Florida's highest FHA loan limits in 2026, including $990,150 for a 1-unit property.
How do I find my FHA loan limit by county in Florida?
Find your Florida county in the FHA limits table and use the limit that matches the property type (1 to 4 units). FHA limits are updated annually and can be higher in high-cost counties.
What happens if the home price is above the FHA limit?
If the loan amount you need exceeds the FHA limit for your county and unit count, you typically need to consider another option such as a conventional conforming loan (if eligible) or a jumbo mortgage. If the home also needs renovations, an FHA 203(k) loan may help by basing the loan on after-improved value.
Is FHA always better than Conventional or VA in Florida?
Not always. FHA can be more flexible on credit and down payment, conventional loans can be cheaper long-term for strong credit profiles, and VA loans can be the best option for eligible veterans (often 0% down and no monthly mortgage insurance).

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