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Florida FHA Loan Limits 2026: Every County, 1 to 4 Units
Find the 2026 Florida FHA loan limit for your county before you shop. One-unit limits run from $541,287 in 51 floor counties up to $990,150 in the highest-cost market, straight from HUD's published file.
In 2026, Florida FHA loan limits for a one-unit home range from $541,287 (the national FHA floor, which applies in 51 of 67 counties) to $990,150. The highest one-unit limits are in Monroe County ($990,150), Collier County ($764,750), Miami-Dade County ($667,000), Broward County ($667,000), Palm Beach County ($667,000), Okaloosa County ($603,750). Two- to four-unit limits are higher and apply only when you live in one of the units.
- ✓67 Florida counties, all published by HUD for 2026.
- ✓51 counties sit at the $541,287 national floor; 16 are higher.
- ✓Highest one-unit limit in Florida: $990,150.
- ✓Limits cap the base loan amount, not the purchase price.
- ✓Down payment, credit and income rules still apply separately.
What this means for you: check your county in the table below, then confirm the figure on HUD’s official lookup before you write an offer.
Written by
Simply Approved Mortgages Team
Licensed Loan Officers · NMLS# 2620881
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- Estimated monthly payment with taxes and insurance
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Scenario summary
- Purchase price entered
- $412,000
- Down payment entered
- $20,600
- Estimated loan amount
- $391,400
- Estimated cash to close
- $14,300
- Programs reviewed
- 4
Sample layout with example figures — your own numbers replace these. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.
Florida FHA loan limit table, 2026
Figures come from HUD's published FHA forward-limits file. Select a county for local FHA guidance. These are HUD program limits, not a quote, lock, offer, or commitment to lend. Confirm your county on the official HUD lookup.
Florida FHA loan limits by county (2026)
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Miami-Dade County | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| Broward County | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| Palm Beach County | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| Monroe County | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
| Collier County | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| Lee County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Charlotte County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Sarasota County | $547,400 | $700,750 | $847,050 | $1,052,700 |
| Manatee County | $547,400 | $700,750 | $847,050 | $1,052,700 |
| Hillsborough County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Pinellas County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Pasco County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Hernando County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Citrus County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Orange County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Seminole County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Osceola County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Lake County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Polk County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Sumter County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Volusia County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Marion County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Duval County | $580,750 | $743,450 | $898,700 | $1,116,850 |
| St. Johns County | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Clay County | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Nassau County | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Baker County | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Flagler County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Alachua County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Putnam County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Levy County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Gilchrist County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Dixie County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Lafayette County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Suwannee County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Hamilton County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Madison County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Taylor County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Columbia County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Union County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Bradford County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Escambia County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Santa Rosa County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Okaloosa County | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Walton County | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Bay County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Holmes County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Washington County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Jackson County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Calhoun County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Gulf County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Franklin County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Liberty County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Gadsden County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Leon County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Wakulla County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Jefferson County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Brevard County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Indian River County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| St. Lucie County | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Martin County | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Okeechobee County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Highlands County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Hardee County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DeSoto County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Glades County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Hendry County | $541,287 | $693,050 | $837,700 | $1,041,125 |
How Florida FHA loan limits are set
HUD sets each county's FHA limit from local median home prices, bounded by a national floor and ceiling that move with the FHFA conforming loan limit. In 2026 the one-unit floor is $541,287. 51 of Florida's 67 counties use that floor because local prices are below the threshold; the other 16 have higher, county-specific limits. Counties that share a metropolitan area share the same limit.
Florida's high-cost counties
Florida's higher limits are concentrated on the coasts. Monroe County, which covers the Florida Keys, has the highest one-unit limit in the state. The Miami-Dade, Broward and Palm Beach metro shares a single limit, and Collier County (Naples) and Martin County are also above the floor. Many inland and Panhandle counties use the floor. Florida buyers should also budget for windstorm and flood insurance, which affect qualifying ratios even when the loan fits under the limit.
What the limit does and does not control
The county limit caps the base FHA loan amount. It is not a cap on the price of the home. If the price is higher, you can bring a larger down payment so the base loan fits, or compare a conventional or jumbo loan. The upfront mortgage insurance premium may be financed on top of the base loan under FHA rules. Credit, debt-to-income, property and occupancy requirements still apply separately and are subject to lender underwriting and approval.
Want these numbers built around your file?
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Two- to four-unit properties
HUD publishes higher limits for two-, three- and four-unit homes. FHA requires you to live in one unit as your primary residence, which is why buyers use these limits for owner-occupied duplexes and small multifamily homes. Rental income rules for these properties are set by FHA and the lender.
When limits change
HUD publishes new limits each year, usually effective January 1 for new FHA case numbers. This page is rebuilt from HUD's file whenever a new calendar year is published, so the table and the figures in this summary stay in sync.
Simply Approved Mortgages LLC is a mortgage broker, not a direct lender, and is not affiliated with HUD or FHA. Educational information only.
What you can do with this loan
See the maximum FHA base loan for a Florida county before you make an offer.
Decide whether a higher-priced home needs extra down payment or a different loan type.
Compare limits for owner-occupied duplexes, triplexes and fourplexes.
Compare neighboring counties when you are flexible on location.
Pros & cons — honest tradeoffs
Pros — Pros & cons
- +Higher limits in high-cost counties widen FHA access where homes cost more.
- +One table covers every Florida county with links to local pages.
Cons / watch-outs — Pros & cons
- −Floor counties may not fit higher-priced homes without extra down payment.
- −Limits change yearly, so an older figure can be out of date.
Compare loan officer compensation on your mortgage quote
Loan officer compensation is part of the cost of a mortgage. On eligible residential loans, Simply Approved Mortgages generally uses 1.5% lender-paid compensation. Enter the compensation shown on another lender's Loan Estimate to see the difference in dollars.
Compensation difference on this illustration: $3,750.
How lower compensation can help you
When less compensation is built into pricing, there can be room for a lower interest rate, which may lower your monthly payment.
Depending on the rate you choose, pricing can sometimes include a lender credit toward third-party closing costs, so you may bring less cash to closing.
A lower rate means a lower monthly payment, which can lower your debt-to-income ratio and may help you qualify for more home on the same income.
As a mortgage broker we compare pricing from wholesale lenders instead of offering a single bank’s retail pricing.
Tip: On page 2 of your Loan Estimate, look at Section A, "Origination Charges." If the lender pays the loan officer, that compensation usually does not appear there as its own line; it is built into the interest rate. That is why comparing the rate and any lender credits side by side matters.
Already have a Loan Estimate from another bank or broker? Share it with a Simply Approved Mortgages Loan Officer, who will compare the rate, fees and credits side by side with options we can arrange. No cost to request a review.
Illustration only — not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate. Lender-paid compensation is paid by the lender, not directly by you, and is part of the loan's pricing, so the loan is not free of costs. A lower compensation figure does not by itself guarantee a lower rate or lower closing costs; individual results vary by credit, loan type, property and market conditions. Residential lending in FL and CO only. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.
Purchase market update
What buyers should know this month
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15-Yr Fixed · national avg
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2026 buying power
Conforming baseline: $832,750
FHA floor / ceiling: $541,287 – $1,249,125
Limit caps the loan
The base FHA loan cannot exceed your county limit; the price can.
Multi-unit is higher
2-4 unit limits apply when you live in one unit.
Check yearly
HUD updates limits each calendar year.
Cost and payment tools
Run your payment, affordability, closing cost and refinance numbers
Monthly payment, affordability, closing costs, refinance break-even and early payoff, all on one screen. This page is not written for one state, so property tax, insurance and transfer or recording charges start at neutral placeholder assumptions rather than published averages — Transfer, documentary-stamp and recording charges are set by your state and county — enter your own figure, or open the state page for a sourced seed. Insurance and tax assumptions vary widely by state, county and property, so replace these starting values with quotes for your address. Every figure is an illustrative estimate, not a quote, lock, offer, approval, or commitment to lend.
Your inputs
Estimated result
- Down payment
- $20,000
- Loan amount
- $380,000
- Principal & interest
- $2,402
- Property tax
- $333/mo
- Homeowners insurance
- $167/mo
- Estimated total monthly
- $2,902/mo
Reference sources: Tax Foundation — property taxes paid as a percentage of owner-occupied housing value, NAIC — Homeowners Insurance Report, CFPB — Understanding your Loan Estimate.
Assumptions, methodology, and limitations
Principal and interest use the standard amortization formula on the loan amount you enter. This page does not target a single state, so the property tax and insurance fields start at neutral placeholder assumptions rather than published averages — replace them with figures for your own address, or open the matching state page for sourced seeds. Closing costs apply your state's transfer / documentary-stamp practice (0.00% of price used as the buyer-side seed) plus typical title, recording, appraisal, credit and prepaid escrow lines. Refinance break-even divides your entered costs by the monthly payment difference. Early payoff runs a month-by-month amortization with your extra principal.
These tools do not include mortgage insurance, funding or guarantee fees, HOA special assessments, flood or windstorm premiums, seller credits, lender credits, discount points, or county and municipal charges specific to your parcel. Statewide averages will not match any individual property. Figures are estimates only.
Illustrative only. Binding figures appear on your Loan Estimate, and terms vary by borrower, property, lender, program, and state.
Turn these estimates into real numbers
Send your scenario to a Simply Approved Mortgages Loan Officer and get a written summary back, or compare where rates sit today. Educational only — not a quote, lock, offer, approval, or commitment to lend.
Florida FHA loan limits 2026: common questions
Answers to the most common Florida FHA loan limits 2026: common questions, written by licensed loan officers.
Ask SAM anything about mortgages
SAM is the Simply Approved Mortgages AI assistant. It answers general questions using the reviewed guides published on this site and links you to the primary government source. It is educational only — it does not quote a rate, payment, APR, approval or commitment to lend. A Simply Approved Mortgages Loan Officer reviews every scenario before any terms are confirmed.
Hi, I'm SAM — an AI assistant for Simply Approved Mortgages. I can explain loan programs, closing costs, DTI, down payments and which calculator or guide to use. I'm not a licensed loan officer, and nothing here is a quote, approval or commitment to lend.
Ask Sam AI provides general educational information only. It is an automated assistant, may be incomplete or out of date, and does not provide legal, tax or financial advice. Nothing it produces is a rate quote, APR, pre-approval, offer or commitment to lend. Never share a Social Security number, ITIN, date of birth, account number or password in chat. Simply Approved Mortgages LLC (NMLS #2620881) arranges residential mortgage loans in Florida and Colorado. Eligibility, terms, conditions and availability vary by borrower, property, lender, loan program and state, and all loans are subject to lender underwriting and approval. Equal Housing Opportunity.
Trusted government resources
These independent government resources can help you research mortgage programs, rates, and your rights before you apply.
HUD
HUD FHA Mortgage Limits lookup
FHFA
FHFA Conforming Loan Limit Values
CFPB
CFPB: What is an FHA loan?
Simply Approved Mortgages is not affiliated with HUD, the CFPB, the FTC, the VA, or any other government agency. Links are provided for your independent verification.
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Guide
FHA Loan Limits (National)
How HUD sets the floor and ceiling.
Read the guide →Guide
FHA Loans in Florida
Statewide FHA requirements and process.
Read the guide →Guide
Colorado FHA Loan Limits
County limits in our other licensed state.
Read the guide →Guide
Conforming Loan Limits
FHFA limits for conventional loans.
Read the guide →Guide
FHA Loan Calculator
Estimate an illustrative FHA payment.
Read the guide →Guide
FHA vs Conventional
When the limit changes your choice.
Read the guide →Internal library
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