Miami-Dade County, Florida has a 2026 one-unit conforming loan limit of $832,750, which is 1.8 times the county's median home value of $463,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $71,753 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $463,000 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 1.80× |
| Median household income | $71,753 |
| Median home value ÷ income | 6.5× |
| Population | 2,738,356 |
| Median property tax paid (owners) | $3,744 |
| Effective property tax rate (approx.) | 0.81% |
| Owner-occupied homes | 52.2% |
| Home value rank in Florida | 4 of 67 counties |
| Neighbor: Broward County, FL | limit $832,750; median home $414,600 |
| Neighbor: Collier County, FL | limit $832,750; median home $540,700 |
| Neighbor: Monroe County, FL | limit $990,150; median home $780,600 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. Miami-Dade County's median home value is 29% above the state median of $359,000 (rank 4 of 67). Among its 3 neighboring counties, Monroe County has the highest median home value ($780,600) and Broward County the lowest ($414,600); 1 neighbor(s) have a different loan limit. Owners pay a median $3,744 a year in property tax, an effective rate of about 0.81% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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- 2026 conforming loan limits in Michigan by county
- 2026 conforming loan limit: Middlesex County, MA
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- 2026 conforming loan limit: Middlesex County, VA
- 2026 conforming loan limit: Midland County, MI
Last updated 2026-10-16. Data only, not financial or tax advice.