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Rates subject to change without notice
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
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 of up to $472,030 in 2023 for a single-family home. However, if you’re buying a home in Monroe County – home to Key West and the Florida Keys – 2023 FHA high-cost loan limits allow you to borrow up to $874,000.
| County | One-Family | Two-Family | Three-Family | Four-Family |
|---|---|---|---|---|
| ALACHUA | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| BAKER | $ 526,700 | $ 674,250 | $ 815,050 | $ 1,012,900 |
| BAY | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| BRADFORD | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| BREVARD | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| BROWARD | $ 557,750 | $ 714,000 | $ 863,100 | $ 1,072,600 |
| CALHOUN | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| CHARLOTTE | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| CITRUS | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| CLAY | $ 526,700 | $ 674,250 | $ 815,050 | $ 1,012,900 |
| COLLIER | $ 672,750 | $ 861,250 | $ 1,041,050 | $ 1,293,750 |
| COLUMBIA | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| DESOTO | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| DIXIE | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| DUVAL | $ 526,700 | $ 674,250 | $ 815,050 | $ 1,012,900 |
| ESCAMBIA | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| FLAGLER | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| FRANKLIN | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| GADSDEN | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| GILCHRIST | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| GLADES | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| GULF | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| HAMILTON | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| HARDEE | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| HENDRY | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| HERNANDO | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| HIGHLANDS | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| HILLSBOROUGH | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| HOLMES | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| INDIAN RIVER | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| JACKSON | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| JEFFERSON | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| LAFAYETTE | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| LAKE | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| LEE | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| LEON | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| LEVY | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| LIBERTY | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| MADISON | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| MANATEE | $ 506,000 | $ 647,750 | $ 783,000 | $ 973,100 |
| MARION | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| MARTIN | $ 500,250 | $ 640,400 | $ 774,100 | $ 962,050 |
| MIAMI-DADE | $ 557,750 | $ 714,000 | $ 863,100 | $ 1,072,600 |
| MONROE | $ 874,000 | $ 1,118,900 | $ 1,352,450 | $ 1,680,800 |
| NASSAU | $ 526,700 | $ 674,250 | $ 815,050 | $ 1,012,900 |
| OKALOOSA | $ 603,750 | $ 772,900 | $ 934,250 | $ 1,161,050 |
| OKEECHOBEE | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| ORANGE | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| OSCEOLA | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| PALM BEACH | $ 557,750 | $ 714,000 | $ 863,100 | $ 1,072,600 |
| PASCO | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| PINELLAS | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| POLK | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| PUTNAM | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| SANTA ROSA | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| SARASOTA | $ 506,000 | $ 647,750 | $ 783,000 | $ 973,100 |
| SEMINOLE | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| ST. JOHNS | $ 526,700 | $ 674,250 | $ 815,050 | $ 1,012,900 |
| ST. LUCIE | $ 500,250 | $ 640,400 | $ 774,100 | $ 962,050 |
| SUMTER | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| SUWANNEE | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| TAYLOR | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| UNION | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| VOLUSIA | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| WAKULLA | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
| WALTON | $ 603,750 | $ 772,900 | $ 934,250 | $ 1,161,050 |
| WASHINGTON | $ 472,030 | $ 604,400 | $ 730,525 | $ 907,900 |
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.