2026 Florida FHA loan limits by county
These are the 2026 Florida FHA loan limits for all 67 counties, and they apply to any FHA case number a lender pulls on or after January 1, 2026. Most counties sit on the statewide floor, while 16 higher-cost counties earn a larger limit.
Written by Renzo Johnson, Licensed Mortgage Loan Originator · Figures from HUD and the FHFA · Last updated: August 2026
The 2026 Florida FHA loan limits at a glance
- Standard floor, which covers most Florida counties: $541,287 for a single-family home
- Highest in the state, Monroe County in the Keys: $990,150 single-family
- When it takes effect: any FHA case number 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
FHA sets its limits by Metropolitan Statistical Area rather than by county line. As a result, neighbouring counties in the same metro share one number. Since 51 of Florida’s 67 counties fall on the standard floor, only the 16 counties below carry a higher limit.
| 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 and 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 and 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 |
If your county does not appear above, then it uses the standard floor shown in the final row.
How FHA sets these limits
Each year the Federal Housing Finance Agency publishes a baseline conforming loan limit, and FHA derives its own numbers from that figure. For 2026 the baseline rose to $832,750. FHA then takes 65% of it, which produces the $541,287 floor that covers most of Florida.
Meanwhile the ceiling sits at 150% of the baseline, or $1,249,125, and applies only to the most expensive markets in the country. No Florida county reaches it. However, Monroe County comes closest at $990,150, because Keys median prices run far above the rest of the state.
Also worth knowing: the limit caps what FHA will insure, not what the house can cost. Therefore you can buy above the limit if you cover the difference in cash. If your price sits well above your county’s number, compare a jumbo loan instead.
Not sure which program fits? First read our Florida FHA loan overview, then compare it against other Florida mortgage programs. You can also check the official figures on HUD’s loan limit lookup.
Sources: HUD, “FHA Announces 2026 Loan Limits” (HUD No. 25-145), and the FHFA 2026 conforming loan limit announcement. These figures cover FHA forward mortgages and take effect on January 1, 2026.