Highest FHA limit in Florida
$990,150
In 2026, FHA one-unit limits in Florida range from $541,287 to $990,150 (Monroe County). 51 of 67 counties use the national floor.
51 of 67counties at the $541,287 floor
All Florida counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Monroe County | $990,150 | $1,267,600 | $1,904,150 | $990,150 |
| Collier County | $764,750 | $979,000 | $1,470,700 | $832,750 |
| Broward County | $667,000 | $853,900 | $1,282,700 | $832,750 |
| Miami-Dade County | $667,000 | $853,900 | $1,282,700 | $832,750 |
| Palm Beach County | $667,000 | $853,900 | $1,282,700 | $832,750 |
| Martin County | $603,750 | $772,900 | $1,161,050 | $832,750 |
| Okaloosa County | $603,750 | $772,900 | $1,161,050 | $832,750 |
| St. Lucie County | $603,750 | $772,900 | $1,161,050 | $832,750 |
| Walton County | $603,750 | $772,900 | $1,161,050 | $832,750 |
| Baker County | $580,750 | $743,450 | $1,116,850 | $832,750 |
| Clay County | $580,750 | $743,450 | $1,116,850 | $832,750 |
| Duval County | $580,750 | $743,450 | $1,116,850 | $832,750 |
| Nassau County | $580,750 | $743,450 | $1,116,850 | $832,750 |
| St. Johns County | $580,750 | $743,450 | $1,116,850 | $832,750 |
| Manatee County | $547,400 | $700,750 | $1,052,700 | $832,750 |
| Sarasota County | $547,400 | $700,750 | $1,052,700 | $832,750 |
| Alachua County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bay County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bradford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brevard County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Calhoun County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Charlotte County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Citrus County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Columbia County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| DeSoto County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dixie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Escambia County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Flagler County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gadsden County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gilchrist County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Glades County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gulf County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hamilton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hardee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hendry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hernando County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Highlands County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hillsborough County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Holmes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Indian River County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jackson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jefferson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lafayette County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lake County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Leon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Levy County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Liberty County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Madison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marion County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Okeechobee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Orange County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Osceola County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pasco County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pinellas County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Polk County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Putnam County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Santa Rosa County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Seminole County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sumter County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Suwannee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Taylor County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Union County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Volusia County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wakulla County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Florida for 2026?
In 2026, FHA one-unit limits in Florida range from $541,287 to $990,150 (Monroe County). 51 of 67 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.