FHA loan limits for Florida counties can vary depending on local housing costs. The table below shows the current 2026 FHA loan limits for one-unit, two-unit, three-unit, and four-unit properties throughout Florida. These limits are important for homebuyers, homeowners looking to refinance, and borrowers considering multi-unit homes with FHA financing.
If you are buying a primary residence in Florida and want a low down payment option, an FHA loan may be a strong fit. Many borrowers use FHA financing because of its flexible credit guidelines, competitive terms, and lower down payment requirements compared with some conventional programs.
| County | One-Family | Two-Family | Three-Family | Four-Family |
|---|---|---|---|---|
| ALACHUA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BAKER | $580,750 | $743,450 | $898,700 | $1,116,850 |
| BAY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BRADFORD | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BREVARD | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BROWARD | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| CALHOUN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CHARLOTTE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CITRUS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CLAY | $580,750 | $743,450 | $898,700 | $1,116,850 |
| COLLIER | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| COLUMBIA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DESOTO | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DIXIE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DUVAL | $580,750 | $743,450 | $898,700 | $1,116,850 |
| ESCAMBIA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FLAGLER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FRANKLIN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GADSDEN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GILCHRIST | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GLADES | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GULF | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HAMILTON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HARDEE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HENDRY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HERNANDO | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HIGHLANDS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HILLSBOROUGH | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HOLMES | $541,287 | $693,050 | $837,700 | $1,041,125 |
| INDIAN RIVER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JACKSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JEFFERSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LAFAYETTE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LAKE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LEE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LEON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LEVY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LIBERTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MADISON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MANATEE | $547,400 | $700,750 | $847,050 | $1,052,700 |
| MARION | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MARTIN | $603,750 | $772,900 | $934,250 | $1,161,050 |
| MIAMI-DADE | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| MONROE | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
| NASSAU | $580,750 | $743,450 | $898,700 | $1,116,850 |
| OKALOOSA | $603,750 | $772,900 | $934,250 | $1,161,050 |
| OKEECHOBEE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ORANGE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| OSCEOLA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PALM BEACH | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| PASCO | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PINELLAS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| POLK | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PUTNAM | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SANTA ROSA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SARASOTA | $547,400 | $700,750 | $847,050 | $1,052,700 |
| SEMINOLE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ST. JOHNS | $580,750 | $743,450 | $898,700 | $1,116,850 |
| ST. LUCIE | $603,750 | $772,900 | $934,250 | $1,161,050 |
| SUMTER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SUWANNEE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TAYLOR | $541,287 | $693,050 | $837,700 | $1,041,125 |
| UNION | $541,287 | $693,050 | $837,700 | $1,041,125 |
| VOLUSIA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WAKULLA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WALTON | $603,750 | $772,900 | $934,250 | $1,161,050 |
| WASHINGTON | $541,287 | $693,050 | $837,700 | $1,041,125 |
FHA loan limits represent the maximum mortgage amount allowed under standard FHA financing for a given county and property type. In most Florida counties, the limit for a one-family home follows the standard FHA baseline, while higher-cost counties may allow larger maximum loan amounts.
Limits are also higher for duplexes, triplexes, and fourplexes. This can be especially important for buyers who want to live in one unit and rent the others, since FHA financing can be used for owner-occupied multi-unit properties when program guidelines are met.
Whether you are purchasing your first home, refinancing your current mortgage, or exploring financing options for a multi-unit property, Florida Home Mortgage can help you review available FHA loan programs and determine which county loan limit applies to your scenario.
We work with borrowers across Florida and can help you compare FHA, conventional, VA, jumbo, and other mortgage options based on your goals, down payment, and property location.
