By Phil Ganz
Edited by Ryan Skerritt
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.
In this guide, we break down the 2026 FHA loan limits for all 67 Florida counties, explain why some counties qualify for higher limits.
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 (1–4 units).
| County | 1-Unit | 2-Unit | 3-Unit | 4-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.
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:
- 3.5% down payment
- Flexible credit requirements
- Higher debt-to-income allowances
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:
- A conventional refinance
- A non-QM or jumbo alternative
Rising home values can make refinancing more flexible—but only if limits allow.
Frequently Asked Questions
Get clear, up-to-date answers to the most common questions Florida homebuyers ask about 2026 FHA loan limits, county maximums, and how FHA compares to other loan programs.
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. Limits are higher for 2–4 unit properties.
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 (1–4 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.
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).
Final Thoughts
FHA loan limits directly affect how much home you can afford—and they change every year.
Whether you’re buying your first home, upgrading, or refinancing in Florida, knowing your county’s FHA loan limits gives you a clear financial advantage.
With over 50 years of mortgage industry experience, we are here to help you achieve the American dream of owning a home. We strive to provide the best education before, during, and after you buy a home. Our advice is based on experience with Phil Ganz and Team closing over One billion dollars and helping countless families.
About Author - Phil Ganz
Phil Ganz has over 20+ years of experience in the residential financing space. With over a billion dollars of funded loans, Phil helps homebuyers configure the perfect mortgage plan. Whether it's your first home, a complex multiple-property purchase, or anything in between, Phil has the experience to help you achieve your goals.
About Editor - Ryan Skerritt
Ryan Skerritt has over 10+ years of experience in the residential financing space. With over two hundred and fifty million of funded loan volume, Ryan has the skill set to help any homebuyer configure the perfect mortgage plan.
