2026 Florida FHA Loan Limits by County
The 2026 FHA loan limits for all 67 Florida counties, effective for FHA case numbers assigned on or after January 1, 2026. Most counties use the statewide floor; 16 higher-cost counties qualify for larger limits.
Written by Renzo Johnson, Licensed Mortgage Loan Originator · Figures sourced from HUD & FHFA · Last updated: June 2026
2026 Florida FHA loan limit at a glance
- Standard (floor) limit — most Florida counties: $541,287 for a single-family home
- Highest in Florida — Monroe County (the Keys): $990,150 single-family
- 2026 effective date: FHA case numbers assigned on or after January 1, 2026
- Multi-unit floor limits: Duplex $693,050 · Triplex $837,700 · Fourplex $1,041,125
FHA loan limits by Florida county (2026)
FHA sets limits by Metropolitan Statistical Area (MSA). 51 of Florida’s 67 counties use the standard floor; the 16 counties below qualify for higher limits based on local median home prices.
| Florida county (metro area) | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| Monroe — Florida Keys | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
| Collier — Naples | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| Broward, Miami-Dade, Palm Beach — Miami metro | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| Okaloosa, Walton — Destin / Fort Walton Beach | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Martin, St. Lucie — Port St. Lucie | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Baker, Clay, Duval, Nassau, St. Johns — Jacksonville | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Manatee, Sarasota — Sarasota / Bradenton | $547,400 | $700,750 | $847,050 | $1,052,700 |
| All other 51 Florida counties (standard floor) | $541,287 | $693,050 | $837,700 | $1,041,125 |
Any Florida county not listed above uses the standard floor limit shown in the final row.
How FHA loan limits are set
FHA limits are tied to the conforming loan limit the Federal Housing Finance Agency (FHFA) sets each year. For 2026 the baseline conforming limit rose to $832,750. FHA’s “floor” is 65% of that figure ($541,287) and applies to lower-cost areas — which covers most of Florida. The “ceiling” is 150% ($1,249,125) and applies only to the highest-cost U.S. markets; no Florida county reaches the ceiling, though Monroe County (the Florida Keys) comes closest at $990,150.
Not sure which program fits? See our Florida FHA loan overview, or compare it against other Florida mortgage programs.
Sources: HUD, “FHA Announces 2026 Loan Limits” (HUD No. 25-145) and the FHFA 2026 conforming loan limit announcement. Figures are for FHA forward mortgages, effective January 1, 2026.