FHA loans across Martin County with as little as 3.5% down. Here's the county's 2026 FHA loan limit, where FHA fits on this Treasure Coast county, and how to get pre-approved.
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Martin County, anchored by the charming city of Stuart, is one of the Treasure Coast's most desirable areas, known for its waterways, preserved small-town character, and strict growth management. That desirability keeps coastal prices high, but inland communities like Palm City and parts of Stuart offer homes within reach. The FHA loan limit covers much of the county's mid-market inventory.
With the 2026 FHA floor of $541,287 and FHA's 3.5% minimum down, you can finance a Martin County home priced up to roughly $560,000 (your loan covers the price minus your down payment). That covers much of Martin County's mid-market and inland homes, though waterfront and luxury coastal properties often exceed it. A handful of Florida counties are set higher, so we confirm Martin County's exact figure with HUD.
Martin County's waterfront commands premium prices that can exceed FHA limits, but inland and mid-market homes in Palm City, Stuart, and Hobe Sound are workable with FHA — good for first-time buyers. For condos (common near the water), confirm FHA approval via our condo guide. We'll help you target the Martin County homes that fit your FHA budget.
We help FHA buyers throughout Martin County, including Stuart, Palm City, Jensen Beach, and Hobe Sound. Wherever you are in the county, we will explain your FHA loan limit, rate, and monthly payment, and get you pre-approved fast. Start with our first-time buyer guide or estimate your payment with the FHA calculator.
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Martin County buyers can often pair FHA with assistance from the Florida Housing Finance Corporation and Martin County's local SHIP-funded programs. Funding and eligibility change frequently, so we'll help you confirm what's currently available — see our FHA down payment assistance guide.
Get a free FHA rate quote and pre-approval from a lender who knows the Martin County market.
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