By Phil Ganz
Edited by Ryan Skerritt
The Florida Housing Finance Corporation (FHFC) sets strict income limits and purchase price limits each year to determine who qualifies for Florida Housing loan programs, grants, and down payment assistance.
If you’re buying a home in Florida in 2026, these limits directly affect:
- Whether you qualify for subsidized mortgage programs
- How much home you’re allowed to buy
- Which Florida Housing assistance options you can use
This guide breaks down 2026 Florida Housing income limits and purchase price caps by county, explains targeted vs non-targeted areas, and shows how these limits impact popular programs like Hometown Heroes, FL Assist, and HFA Preferred / Advantage loans.
Last Updated: January 2026. Florida Housing income limits and purchase price limits are updated annually based on HUD Area Median Income (AMI) data and FHFC policy changes. Always confirm eligibility with a Florida Housing-approved lender.
Florida Housing Income Limits by County (2026)
These income limits determine eligibility for Florida Housing loan programs and down payment assistance. Limits vary by county and whether the property is located in a targeted or non-targeted area.
| County | Non-Targeted (1–2 person) | Non-Targeted (3+ person) | Targeted (1–2 person) | Targeted (3+ person) |
|---|---|---|---|---|
| Alachua | $104,000 | $119,600 | $124,800 | $145,600 |
| Baker | $109,800 | $127,419 | $114,360 | $133,420 |
| Bay | $97,714 | $112,371 | $114,360 | $133,420 |
| Bradford | $95,300 | $109,595 | $114,360 | $133,420 |
| Brevard | $99,900 | $114,885 | $119,880 | $139,860 |
| Broward | $122,400 | $140,760 | $138,360 | $161,420 |
| Calhoun | $95,300 | $109,595 | $114,360 | $133,420 |
| Charlotte | $98,974 | $113,820 | $114,360 | $133,420 |
| Citrus | $95,300 | $109,595 | $114,360 | $133,420 |
| Clay | $108,599 | $124,889 | $123,000 | $143,500 |
| Collier | $136,320 | $159,040 | $136,320 | $159,040 |
| Columbia | $95,300 | $109,595 | $114,360 | $133,420 |
| DeSoto | $95,300 | $109,595 | $114,360 | $133,420 |
| Dixie | $95,300 | $109,595 | $114,360 | $133,420 |
| Duval | $108,599 | $124,889 | $123,000 | $143,500 |
| Escambia | $98,100 | $112,815 | $117,720 | $137,340 |
| Flagler | $97,554 | $112,187 | $114,360 | $133,420 |
| Franklin | $95,300 | $109,595 | $114,360 | $133,420 |
| Gadsden | $98,074 | $112,785 | $114,360 | $133,420 |
| Gilchrist | $104,000 | $119,600 | $124,800 | $145,600 |
| Glades | $95,300 | $109,595 | $114,360 | $133,420 |
| Gulf | $95,300 | $109,620 | $114,360 | $133,420 |
| Hamilton | $95,300 | $109,595 | $114,360 | $133,420 |
| Hardee | $95,300 | $109,595 | $114,360 | $133,420 |
| Hendry | $95,300 | $109,595 | $114,360 | $133,420 |
| Hernando | $104,300 | $119,945 | $125,160 | $146,020 |
| Highlands | $95,300 | $109,595 | $114,360 | $133,420 |
| Hillsborough | $104,300 | $119,945 | $125,160 | $146,020 |
| Holmes | $95,300 | $109,595 | $114,360 | $133,420 |
| Indian River | $97,934 | $112,624 | $114,360 | $133,420 |
| Jackson | $95,300 | $109,595 | $114,360 | $133,420 |
| Jefferson | $98,074 | $112,785 | $114,360 | $133,420 |
| Lafayette | $95,300 | $109,595 | $114,360 | $133,420 |
| Lake | $105,400 | $121,210 | $126,480 | $147,560 |
| Lee | $102,200 | $117,530 | $122,640 | $143,080 |
| Leon | $98,074 | $112,785 | $114,360 | $133,420 |
| Levy | $95,300 | $109,595 | $114,360 | $133,420 |
| Liberty | $95,300 | $109,595 | $114,360 | $133,420 |
| Madison | $95,300 | $109,595 | $114,360 | $133,420 |
| Manatee | $107,600 | $123,740 | $129,120 | $150,640 |
| Marion | $95,300 | $109,595 | $114,360 | $133,420 |
| Martin | $113,640 | $130,799 | $114,360 | $133,420 |
| Miami-Dade | $123,900 | $142,485 | $148,680 | $173,460 |
| Monroe | $156,360 | $182,420 | $156,360 | $182,420 |
| Nassau | $108,599 | $124,889 | $123,000 | $143,500 |
| Okaloosa | $113,812 | $130,884 | $122,400 | $142,800 |
| Okeechobee | $95,300 | $109,595 | $114,360 | $133,420 |
| Orange | $105,400 | $121,210 | $126,480 | $147,560 |
| Osceola | $105,400 | $121,210 | $126,480 | $147,560 |
| Palm Beach | $122,080 | $140,392 | $140,280 | $163,660 |
| Pasco | $104,300 | $119,945 | $125,160 | $146,020 |
| Pinellas | $104,300 | $119,945 | $125,160 | $146,020 |
| Polk | $99,874 | $114,855 | $114,360 | $133,420 |
| Putnam | $95,300 | $109,595 | $114,360 | $133,420 |
| Santa Rosa | $98,100 | $112,815 | $117,720 | $137,340 |
| Sarasota | $107,600 | $123,740 | $129,120 | $150,640 |
| Seminole | $105,400 | $121,210 | $126,480 | $147,560 |
| St. Johns | $108,599 | $124,889 | $123,000 | $143,500 |
| St. Lucie | $113,640 | $130,799 | $114,360 | $133,420 |
| Sumter | $97,414 | $112,026 | $114,720 | $133,840 |
| Suwannee | $95,300 | $109,595 | $114,360 | $133,420 |
| Taylor | $95,300 | $109,595 | $114,360 | $133,420 |
| Union | $95,300 | $109,595 | $114,360 | $133,420 |
| Volusia | $98,454 | $113,222 | $114,360 | $133,420 |
| Wakulla | $97,994 | $112,693 | $114,360 | $133,420 |
| Walton | $114,432 | $131,597 | $118,680 | $139,460 |
| Washington | $95,300 | $109,595 | $114,360 | $133,420 |
Florida Housing Purchase Price Limits by County (2026)
Purchase price limits cap the maximum contract price allowed when using Florida Housing loan programs. Limits differ for targeted and non-targeted areas by county.
| County | Non-Targeted | Targeted |
|---|---|---|
| Alachua | $544,232 | $665,173 |
| Baker | $602,915 | $736,896 |
| Bay | $544,232 | $665,173 |
| Bradford | $544,232 | $665,173 |
| Brevard | $544,232 | $665,173 |
| Broward | $679,323 | $830,284 |
| Calhoun | $544,232 | $665,173 |
| Charlotte | $544,232 | $665,173 |
| Citrus | $544,232 | $665,173 |
| Clay | $602,915 | $736,896 |
| Collier | $793,937 | $970,368 |
| Columbia | $544,232 | $665,173 |
| DeSoto | $544,232 | $665,173 |
| Dixie | $544,232 | $665,173 |
| Duval | $602,915 | $736,896 |
| Escambia | $544,232 | $665,173 |
| Flagler | $544,232 | $665,173 |
| Franklin | $544,232 | $665,173 |
| Gadsden | $544,232 | $665,173 |
| Gilchrist | $544,232 | $665,173 |
| Glades | $544,232 | $665,173 |
| Gulf | $544,232 | $665,173 |
| Hamilton | $544,232 | $665,173 |
| Hardee | $544,232 | $665,173 |
| Hendry | $544,232 | $665,173 |
| Hernando | $544,232 | $665,173 |
| Highlands | $544,232 | $665,173 |
| Hillsborough | $544,232 | $665,173 |
| Holmes | $544,232 | $665,173 |
| Indian River | $544,232 | $665,173 |
| Jackson | $544,232 | $665,173 |
| Jefferson | $544,232 | $665,173 |
| Lafayette | $544,232 | $665,173 |
| Lake | $544,232 | $665,173 |
| Lee | $544,232 | $665,173 |
| Leon | $544,232 | $665,173 |
| Levy | $544,232 | $665,173 |
| Liberty | $544,232 | $665,173 |
| Madison | $544,232 | $665,173 |
| Manatee | $568,292 | $694,579 |
| Marion | $544,232 | $665,173 |
| Martin | $619,629 | $757,324 |
| Miami-Dade | $679,323 | $830,284 |
| Monroe | $1,004,062 | $1,227,187 |
| Nassau | $602,915 | $736,896 |
| Okaloosa | $626,792 | $766,079 |
| Okeechobee | $544,232 | $665,173 |
| Orange | $544,232 | $665,173 |
| Osceola | $544,232 | $665,173 |
| Palm Beach | $679,323 | $830,284 |
| Pasco | $544,232 | $665,173 |
| Pinellas | $544,232 | $665,173 |
| Polk | $544,232 | $665,173 |
| Putnam | $544,232 | $665,173 |
| Santa Rosa | $544,232 | $665,173 |
| Sarasota | $568,292 | $694,579 |
| Seminole | $544,232 | $665,173 |
| St. Johns | $602,915 | $736,896 |
| St. Lucie | $619,629 | $757,324 |
| Sumter | $544,232 | $665,173 |
| Suwannee | $544,232 | $665,173 |
| Taylor | $544,232 | $665,173 |
| Union | $544,232 | $665,173 |
| Volusia | $544,232 | $665,173 |
| Wakulla | $544,232 | $665,173 |
| Walton | $626,792 | $766,079 |
| Washington | $544,232 | $665,173 |
Florida Housing Down Payment Assistance Programs
Florida Housing offers multiple assistance programs that reduce upfront costs for eligible buyers through grants, deferred loans, and forgivable second mortgages.
Florida Hometown Heroes Program
Provides up to $35,000 in down payment and closing cost assistance for eligible full-time Florida workers, structured as a 0% deferred second mortgage.
Florida Assist (FL Assist)
A 0% interest, deferred second mortgage offering up to $10,000, repayable only upon sale, refinance, or payoff of the first mortgage.
Florida Homeownership Loan Program (FL HLP)
A $10,000 second mortgage with a fixed 3% interest rate and 15-year term, designed for buyers needing predictable assistance.
HFA Preferred & HFA Advantage PLUS
Forgivable second mortgages equal to 3–5% of the first loan amount, forgiven over five years when paired with Florida Housing conventional loans.
Florida Housing Program General Eligibility Requirements (2026)
To qualify for Florida Housing (FHFC) loan and down payment assistance programs in 2026, borrowers must meet these statewide requirements (some programs add extra rules):
-
First-time homebuyer (no ownership in the last 3 years), unless you’re an honorably discharged veteran or buying in a federally designated targeted area
-
Minimum credit score: 640 FICO® for most programs; 660+ for some conventional options or lender overlays
-
Income limits: Total household income must be at or below county limits (varies by county, household size, and targeted areas; all adult income counts)
-
Purchase price limits: Home price must be within county caps (higher in targeted areas)
-
Primary residence only: No investment or vacation homes
- Approved lenders & loans: Must use a Florida Housing–approved lender with an eligible first mortgage (FHA, VA, USDA, or approved conventional programs)
Frequently Asked Questions
Get clear answers to the most common questions about Florida Housing income limits, purchase price caps, targeted areas, and eligibility rules—so you know exactly where you stand before applying.
What are Florida Housing income limits in 2026?
Florida Housing income limits cap the maximum household income allowed to qualify for state-sponsored mortgage and down payment assistance programs. Limits vary by county, household size, and whether the home is located in a targeted area.
Do Florida Housing income limits include all household members?
Yes. Florida Housing counts the gross income of all adult household members living in the home, not just the borrowers listed on the mortgage.
What is a Florida Housing targeted area?
A Florida Housing targeted area is a HUD-designated location intended to encourage homeownership in economically distressed communities. Targeted areas typically allow higher income and purchase price limits.
What happens if my income exceeds Florida Housing limits?
If your household income exceeds the Florida Housing limit, you will not qualify for Florida Housing assistance programs. However, you may still qualify for FHA, VA, USDA, or conventional mortgage financing.
What are Florida Housing purchase price limits?
Florida Housing purchase price limits set the maximum contract price allowed when using Florida Housing loan and down payment assistance programs. These limits vary by county and targeted versus non-targeted areas.
Can I exceed Florida Housing purchase price limits with a larger down payment?
No. Florida Housing purchase price limits are strict caps on the contract price and cannot be exceeded, even if you make a larger down payment.
Do Florida Housing income and purchase price limits change every year?
Yes. Florida Housing income and purchase price limits are typically updated annually and may also change mid-year based on HUD Area Median Income (AMI) updates.
How can I verify my county’s Florida Housing limits?
You should always confirm current Florida Housing income and purchase price limits with a Florida Housing-approved lender at the time of loan reservation to ensure accuracy.
Bottom Line
Florida Housing programs remain one of the most powerful tools for making homeownership affordable in 2026, but qualifying depends heavily on income limits, purchase price caps, and county location.
Because these limits vary widely across Florida—and differ between targeted and non-targeted areas—working with an expert who understands Florida Housing rules is essential.
If you want to confirm eligibility, compare programs, or maximize available assistance, speak with a Florida Housing loan specialist before reserving your loan.
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.
