Santa Rosa County, Florida has a 2026 one-unit conforming loan limit of $832,750, which is 2.5 times the county's median home value of $329,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $91,922 (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) | $329,800 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 2.53× |
| Median household income | $91,922 |
| Median home value ÷ income | 3.6× |
| Population | 198,472 |
| Median property tax paid (owners) | $1,891 |
| Effective property tax rate (approx.) | 0.57% |
| Owner-occupied homes | 80.6% |
| Home value rank in Florida | 24 of 67 counties |
| Neighbor: Escambia County, AL | limit $832,750; median home $136,500 |
| Neighbor: Escambia County, FL | limit $832,750; median home $257,200 |
| Neighbor: Okaloosa County, FL | limit $832,750; median home $351,200 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. Santa Rosa County's median home value is 8% below the state median of $359,000 (rank 24 of 67). Among its 3 neighboring counties, Okaloosa County has the highest median home value ($351,200) and Escambia County the lowest ($136,500); all share the same loan limit. Owners pay a median $1,891 a year in property tax, an effective rate of about 0.57% 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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Last updated 2026-10-16. Data only, not financial or tax advice.