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Most Florida Counties FHA Loan Limit for 2026 is $541,287 | Monroe County FHA Loan Limits are higher at $990,150
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 for 2026

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 $541,287 in 2026 for a single-family home. However, if you’re buying a home in Monroe County, the 2026 FHA high-cost loan limits allow you to borrow up to $990,150.

Check to see the FHA Loan Limits for 2026 from FHA in your Florida county!

           Florida FHA Loan Limits 2026

County 1 Unit 2 Units 3 Units 4 Units
Alachua County $541,287 $693,050 $837,700 $1,041,125
Baker County $580,750 $743,450 $898,700 $1,116,850
Bay County $541,287 $693,050 $837,700 $1,041,125
Bradford County $541,287 $693,050 $837,700 $1,041,125
Brevard County $541,287 $693,050 $837,700 $1,041,125
Broward County $667,000 $853,900 $1,032,150 $1,282,700
Calhoun County $541,287 $693,050 $837,700 $1,041,125
Charlotte County $541,287 $693,050 $837,700 $1,041,125
Citrus County $541,287 $693,050 $837,700 $1,041,125
Clay County $580,750 $743,450 $898,700 $1,116,850
Collier County $764,750 $979,000 $1,183,400 $1,470,700
Columbia County $541,287 $693,050 $837,700 $1,041,125
Desoto County $541,287 $693,050 $837,700 $1,041,125
Dixie County $541,287 $693,050 $837,700 $1,041,125
Duval County $580,750 $743,450 $898,700 $1,116,850
Escambia County $541,287 $693,050 $837,700 $1,041,125
Flagler County $541,287 $693,050 $837,700 $1,041,125
Franklin County $541,287 $693,050 $837,700 $1,041,125
Gadsden County $541,287 $693,050 $837,700 $1,041,125
Gilchrist County $541,287 $693,050 $837,700 $1,041,125
Glades County $541,287 $693,050 $837,700 $1,041,125
Gulf County $541,287 $693,050 $837,700 $1,041,125
Hamilton County $541,287 $693,050 $837,700 $1,041,125
Hardee County $541,287 $693,050 $837,700 $1,041,125
Hendry County $541,287 $693,050 $837,700 $1,041,125
Hernando County $541,287 $693,050 $837,700 $1,041,125
Highlands County $541,287 $693,050 $837,700 $1,041,125
Hillsborough County $541,287 $693,050 $837,700 $1,041,125
Holmes County $541,287 $693,050 $837,700 $1,041,125
Indian River County $541,287 $693,050 $837,700 $1,041,125
Jackson County $541,287 $693,050 $837,700 $1,041,125
Jefferson County $541,287 $693,050 $837,700 $1,041,125
Lafayette County $541,287 $693,050 $837,700 $1,041,125
Lake County $541,287 $693,050 $837,700 $1,041,125
Lee County $541,287 $693,050 $837,700 $1,041,125
Leon County $541,287 $693,050 $837,700 $1,041,125
Levy County $541,287 $693,050 $837,700 $1,041,125
Liberty County $541,287 $693,050 $837,700 $1,041,125
Madison County $541,287 $693,050 $837,700 $1,041,125
Manatee County $547,400 $700,750 $847,050 $1,052,700
Marion County $541,287 $693,050 $837,700 $1,041,125
Martin County $603,750 $772,900 $934,250 $1,161,050
Miami-Dade County $667,000 $853,900 $1,032,150 $1,282,700
Monroe County $990,150 $1,267,600 $1,532,200 $1,904,150
Nassau County $580,750 $743,450 $898,700 $1,116,850
Okaloosa County $603,750 $772,900 $934,250 $1,161,050
Okeechobee County $541,287 $693,050 $837,700 $1,041,125
Orange County $541,287 $693,050 $837,700 $1,041,125
Osceola County $541,287 $693,050 $837,700 $1,041,125
Palm Beach County $667,000 $853,900 $1,032,150 $1,282,700
Pasco County $541,287 $693,050 $837,700 $1,041,125
Pinellas County $541,287 $693,050 $837,700 $1,041,125
Polk County $541,287 $693,050 $837,700 $1,041,125
Putnam County $541,287 $693,050 $837,700 $1,041,125
Santa Rosa County $580,750 $743,450 $898,700 $1,116,850
Sarasota County $603,750 $772,900 $934,250 $1,161,050
Seminole County $541,287 $693,050 $837,700 $1,041,125
St. Johns County $547,400 $700,750 $847,050 $1,052,700
St. Lucie County $541,287 $693,050 $837,700 $1,041,125
Sumter County $541,287 $693,050 $837,700 $1,041,125
Suwannee County $541,287 $693,050 $837,700 $1,041,125
Taylor County $541,287 $693,050 $837,700 $1,041,125
Union County $541,287 $693,050 $837,700 $1,041,125
Volusia County $541,287 $693,050 $837,700 $1,041,125
Wakulla County $541,287 $693,050 $837,700 $1,041,125
Walton County $603,750 $772,900 $934,250 $1,161,050
Washington County $541,287 $693,050 $837,700 $1,041,125

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