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Most Florida Counties FHA Loan Limit for 2023 is $472,030 | Monroe County FHA Loan Limits are higher at $847,000
The Federal Housing Administration sets FHA loan limits on an annual basis.
Check to See your Florida FHA Loan Limit here

FHA Loan Limits 2023

Florida FHA Loan Limits 2024

The FHA loan limits are the maximum amount that a borrower can receive from the Federal Housing Administration (FHA) for a mortgage loan. The limits are set by the Department of Housing and Urban Development (HUD) and are based on the median home prices in the area.

The FHA loan limits are updated each year and vary by county. Most Florida counties have FHA loan amounts up to $498,257 in 2024 for a single-family home. However, if you’re buying a home in Monroe County – home to Key West and the Florida Keys – 2024 FHA high-cost loan limits allow you to borrow up to $929,200.

Check to see the FHA Loan Limits for 2023 in your county!

Florida FHA Loan Limits 2024

County	One-Family	Two-Family	Three-Family	Four-Family
ALACHUA	$ 498,257	$ 637,950	$ 771,125	$ 958,350
BAKER	$ 564,650	$ 722,850	$ 873,750	$ 1,085,900
BAY	$ 498,257	$ 637,950	$ 771,125	$ 958,350
BRADFORD	$ 498,257	$ 637,950	$ 771,125	$ 958,350
BREVARD	$ 498,257	$ 637,950	$ 771,125	$ 958,350
BROWARD	$ 621,000	$ 795,000	$ 960,950	$ 1,194,250
CALHOUN	$ 498,257	$ 637,950	$ 771,125	$ 958,350
CHARLOTTE	$ 498,257	$ 637,950	$ 771,125	$ 958,350
CITRUS	$ 498,257	$ 637,950	$ 771,125	$ 958,350
CLAY	$ 564,650	$ 722,850	$ 873,750	$ 1,085,900
COLLIER	$ 730,250	$ 934,850	$ 1,130,000	$ 1,404,350
COLUMBIA	$ 498,257	$ 637,950	$ 771,125	$ 958,350
DESOTO	$ 498,257	$ 637,950	$ 771,125	$ 958,350
DIXIE	$ 498,257	$ 637,950	$ 771,125	$ 958,350
DUVAL	$ 564,650	$ 722,850	$ 873,750	$ 1,085,900
ESCAMBIA	$ 498,257	$ 637,950	$ 771,125	$ 958,350
FLAGLER	$ 498,257	$ 637,950	$ 771,125	$ 958,350
FRANKLIN	$ 498,257	$ 637,950	$ 771,125	$ 958,350
GADSDEN	$ 498,257	$ 637,950	$ 771,125	$ 958,350
GILCHRIST	$ 498,257	$ 637,950	$ 771,125	$ 958,350
GLADES	$ 498,257	$ 637,950	$ 771,125	$ 958,350
GULF	$ 498,257	$ 637,950	$ 771,125	$ 958,350
HAMILTON	$ 498,257	$ 637,950	$ 771,125	$ 958,350
HARDEE	$ 498,257	$ 637,950	$ 771,125	$ 958,350
HENDRY	$ 498,257	$ 637,950	$ 771,125	$ 958,350
HERNANDO	$ 498,257	$ 637,950	$ 771,125	$ 958,350
HIGHLANDS	$ 498,257	$ 637,950	$ 771,125	$ 958,350
HILLSBOROUGH	$ 498,257	$ 637,950	$ 771,125	$ 958,350
HOLMES	$ 498,257	$ 637,950	$ 771,125	$ 958,350
INDIAN RIVER	$ 498,257	$ 637,950	$ 771,125	$ 958,350
JACKSON	$ 498,257	$ 637,950	$ 771,125	$ 958,350
JEFFERSON	$ 498,257	$ 637,950	$ 771,125	$ 958,350
LAFAYETTE	$ 498,257	$ 637,950	$ 771,125	$ 958,350
LAKE	$ 498,257	$ 637,950	$ 771,125	$ 958,350
LEE	$ 498,257	$ 637,950	$ 771,125	$ 958,350
LEON	$ 498,257	$ 637,950	$ 771,125	$ 958,350
LEVY	$ 498,257	$ 637,950	$ 771,125	$ 958,350
LIBERTY	$ 498,257	$ 637,950	$ 771,125	$ 958,350
MADISON	$ 498,257	$ 637,950	$ 771,125	$ 958,350
MANATEE	$ 547,400	$ 700,750	$ 847,050	$ 1,052,700
MARION	$ 498,257	$ 637,950	$ 771,125	$ 958,350
MARTIN	$ 546,250	$ 699,300	$ 845,300	$ 1,050,500
MIAMI-DADE	$ 621,000	$ 795,000	$ 960,950	$ 1,194,250
MONROE	$ 929,200	$ 1,189,550	$ 1,437,900	$ 1,786,950
NASSAU	$ 564,650	$ 722,850	$ 873,750	$ 1,085,900
OKALOOSA	$ 603,750	$ 772,900	$ 934,250	$ 1,161,050
OKEECHOBEE	$ 498,257	$ 637,950	$ 771,125	$ 958,350
ORANGE	$ 498,257	$ 637,950	$ 771,125	$ 958,350
OSCEOLA	$ 498,257	$ 637,950	$ 771,125	$ 958,350
PALM BEACH	$ 621,000	$ 795,000	$ 960,950	$ 1,194,250
PASCO	$ 498,257	$ 637,950	$ 771,125	$ 958,350
PINELLAS	$ 498,257	$ 637,950	$ 771,125	$ 958,350
POLK	$ 498,257	$ 637,950	$ 771,125	$ 958,350
PUTNAM	$ 498,257	$ 637,950	$ 771,125	$ 958,350
SANTA ROSA	$ 498,257	$ 637,950	$ 771,125	$ 958,350
SARASOTA	$ 547,400	$ 700,750	$ 847,050	$ 1,052,700
SEMINOLE	$ 498,257	$ 637,950	$ 771,125	$ 958,350
ST. JOHNS	$ 564,650	$ 722,850	$ 873,750	$ 1,085,900
ST. LUCIE	$ 546,250	$ 699,300	$ 845,300	$ 1,050,500
SUMTER	$ 498,257	$ 637,950	$ 771,125	$ 958,350
SUWANNEE	$ 498,257	$ 637,950	$ 771,125	$ 958,350
TAYLOR	$ 498,257	$ 637,950	$ 771,125	$ 958,350
UNION	$ 498,257	$ 637,950	$ 771,125	$ 958,350
VOLUSIA	$ 498,257	$ 637,950	$ 771,125	$ 958,350
WAKULLA	$ 498,257	$ 637,950	$ 771,125	$ 958,350
WALTON	$ 603,750	$ 772,900	$ 934,250	$ 1,161,050
WASHINGTON	$ 498,257	$ 637,950	$ 771,125	$ 958,350

It’s important to note that FHA loan limits are not the same as the ceiling for how much you can borrow. Instead, they represent the maximum amount that the FHA will insure, which is based on the lower of the appraised value of the property or the sale price.

If you are considering an FHA loan, it’s important to check the FHA loan limits for your Florida County to determine the maximum amount you may be able to borrow. Our FHA Mortgage Experts can help you understand the FHA loan limits and other requirements for an FHA loan.

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FHA Loan Limits 2023