FHA loan limits in Florida (2026)

Florida FHA loan limits by county for 2026

FHA loan limits cap the maximum mortgage the Federal Housing Administration will insure — and they vary by county based on local home prices. For 2026, most Florida counties sit at the national floor of $541,287 for a single-family home, rising to $990,150 in Monroe County (the Florida Keys), the highest in the state. These limits apply to FHA case numbers assigned on or after January 1, 2026.

Below are the 2026 limits for all 67 Florida counties, for 1- to 4-unit properties. One key point: the limit caps the loan amount, not the purchase price — you can still buy a pricier home if you put enough down to bring the loan under your county's cap.

The six 2026 limit tiers

Florida's counties fall into six limit tiers for 2026. Most are at the floor; a handful of higher-cost metros are above it:

Your county's 2026 FHA limit

Search for your county, or scroll the full list. All figures are 2026 FHA forward limits for owner-occupied 1- to 4-unit properties.

Source & verification: Figures reflect HUD's published 2026 FHA loan limits. Multi-unit amounts are rounded and limits can be revised, so always confirm the exact figure for your county and unit count using HUD's official FHA Mortgage Limits lookup tool before relying on it. This page is informational and not a commitment to lend.

How HUD sets each county's limit

FHA limits are tied by law to the conforming loan limit set each year by the Federal Housing Finance Agency (FHFA). For 2026 the baseline conforming limit is $832,750, and FHA applies two formulas to it:

• The floor is 65% of the conforming limit — $541,287 for 2026 — and applies to lower-cost counties (most of Florida).
• The ceiling is 150% of the conforming limit — $1,249,125 — and applies to the most expensive metros nationwide.
• In between, a county's limit is set at 115% of its area median home price, rounded to the nearest $50.
• Limits are set metro-wide: the highest-priced county in a metro area sets the limit for the whole metro, which is why all of South Florida's tri-county area shares the $667,000 figure.
• Multi-unit limits are fixed multiples of the 1-unit figure — roughly 1.28× for a duplex, 1.55× for a triplex, and 1.92× for a fourplex.

If your home is priced above the cap

What if my home costs more than the FHA limit?

Remember the limit caps your loan amount, not the price. If your target home pushes past the county cap, you have options:

• Put more down. A larger down payment shrinks the loan under the limit — e.g., in a $541,287-limit county, a $600,000 home with $60,000 down leaves a $540,000 loan that still fits FHA.
• Go conventional. The 2026 conforming limit is $832,750 in most of Florida — far above the FHA floor — so a conforming loan may give you more room if your credit and down payment qualify.
• Use a jumbo loan for amounts above the conforming limit.
• Consider an FHA 203(k) if the home needs work — it bases the loan on the after-renovation value within the same county limit.