Monroe County, Florida has a 2026 one-unit conforming loan limit of $990,150, which is 1.3 times the county's median home value of $780,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $87,738 (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) | $990,150 |
| 2-unit limit | $1,267,600 |
| 3-unit limit | $1,532,200 |
| 4-unit limit | $1,904,150 |
| Median home value (ACS 2020–24) | $780,600 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 1.27× |
| Median household income | $87,738 |
| Median home value ÷ income | 8.9× |
| Population | 81,860 |
| Median property tax paid (owners) | $4,129 |
| Effective property tax rate (approx.) | 0.53% |
| Owner-occupied homes | 65.8% |
| Home value rank in Florida | 1 of 67 counties |
| Neighbor: Collier County, FL | limit $832,750; median home $540,700 |
| Neighbor: Miami-Dade County, FL | limit $832,750; median home $463,000 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. Monroe County's median home value is 117% above the state median of $359,000 (rank 1 of 67). Among its 2 neighboring counties, Collier County has the highest median home value ($540,700) and Miami-Dade County the lowest ($463,000); 2 neighbor(s) have a different loan limit. Owners pay a median $4,129 a year in property tax, an effective rate of about 0.53% 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
- 2026 conforming loan limit: Monongalia County, WV
- 2026 conforming loan limit: Monroe County, AL
- 2026 conforming loan limit: Monroe County, AR
- 2026 conforming loan limit: Monroe County, GA
- 2026 conforming loan limit: Monroe County, IA
- 2026 conforming loan limit: Monroe County, IL
- 2026 conforming loan limit: Monroe County, IN
- 2026 conforming loan limit: Monroe County, KY
Last updated 2026-10-16. Data only, not financial or tax advice.