2026 Florida loan limits by county

Look Up Your County’s Limits

FHA and conventional loans cap how much you can borrow, and the cap varies by county and property type. Pick yours below to see the 2026 maximums.

Florida county Select a county…

Property type 1-unit (single family) 2-unit (duplex) 3-unit (triplex) 4-unit (quadplex)

Need a loan above these limits?

If your loan amount is above the conforming cap shown, you’re in jumbo territory. We do Florida jumbo loans up to $4M standard ($15M with exception), with 10% down options and alternative income docs available.

If you’re between the FHA limit and the conforming limit, conventional financing usually fits. If you’re under the FHA limit, both programs are options – which one wins depends on credit, down payment, and how long you’ll hold the loan. See the side-by-side.

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2026 limits effective for case numbers assigned on or after January 1, 2026. Sources: HUD Mortgagee Letter 2025-23 (FHA), FHFA announcement (conforming). For address-precise lookup: HUD lookup →

Reference – 2026 FHA tiers in Florida

Florida FHA Limit Tiers (2026)

FHA limits are set per county based on local home prices. 2026 brings six tiers for Florida (up from four in 2025) – HUD added intermediate tiers for Jacksonville metro and a Treasure Coast / Panhandle group.

Tier 1 – Standard (54 counties)

Property	FHA limit	Conforming
1-unit	$541,287	$832,750
2-unit	$693,050	$1,066,250
3-unit	$837,700	$1,288,900
4-unit	$1,041,125	$1,601,650

Counties: Alachua, Bay, Bradford, Brevard, Calhoun, Charlotte, Citrus, Columbia, DeSoto, Dixie, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian River, Jackson, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Okeechobee, Orange, Osceola, Pasco, Pinellas, Polk, Putnam, Santa Rosa, Sarasota, Seminole, St. Johns, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Washington

Tier 2 – Jacksonville Metro

Property	FHA limit	Conforming
1-unit	$580,750	$832,750
2-unit	$743,450	$1,066,250
3-unit	$898,550	$1,288,900
4-unit	$1,116,200	$1,601,650

Counties: Baker, Clay, Duval, Nassau

Tier 3 – Treasure Coast / Panhandle High-Cost

Property	FHA limit	Conforming
1-unit	$603,750	$832,750
2-unit	$772,450	$1,066,250
3-unit	$932,750	$1,288,900
4-unit	$1,158,600	$1,601,650

Counties: Martin, Okaloosa, St. Lucie, Walton

Tier 4 – Miami Metro

Property	FHA limit	Conforming
1-unit	$667,000	$832,750
2-unit	$853,550	$1,066,250
3-unit	$1,031,000	$1,288,900
4-unit	$1,281,350	$1,601,650

Counties: Broward, Miami-Dade, Palm Beach

Tier 5 – Collier County (Naples)

Property	FHA limit	Conforming
1-unit	$764,750	$832,750
2-unit	$979,450	$1,066,250
3-unit	$1,183,400	$1,288,900
4-unit	$1,470,300	$1,601,650

Counties: Collier

Tier 6 – Monroe County (Florida Keys)

Property	FHA limit	Conforming (high-balance)
1-unit	$990,150	$1,249,125
2-unit	$1,267,750	$1,599,375
3-unit	$1,531,850	$1,933,200
4-unit	$1,903,200	$2,402,625

Counties: Monroe (the only Florida county at the high-balance conforming tier in 2026).

How Loan Limits Work

Two different government bodies set the loan limits that show up in the tool above. HUD sets FHA limits county-by-county based on local home prices. FHFA sets conventional / conforming limits using a national baseline plus high-cost area adjustments. Both update annually, usually announced in late November or early December for the following year.

FHA Limits: 6 Florida Tiers

In 2026, 54 Florida counties fall in the standard FHA tier – $541,287 for a single-family home. Four counties in greater Jacksonville (Baker, Clay, Duval, Nassau) hit a new Tier 2 at $580,750. Four high-cost counties (Martin, Okaloosa, St. Lucie, Walton) sit at Tier 3 ($603,750). Broward, Miami-Dade, and Palm Beach hit Tier 4 ($667,000). Collier (Naples) is at Tier 5 ($764,750). Monroe (Florida Keys) sits at Tier 6 ($990,150) – by far the highest in the state. Multi-unit limits scale up roughly 28% for 2-unit, 55% for 3-unit, and 92% for 4-unit across all tiers.

Conforming Limits: Mostly Uniform

Most of Florida is at the FHFA national baseline – $832,750 for a 1-unit in 2026 (up $26,250 from 2025). Monroe County is the one Florida county at the 2026 high-balance conforming tier ($1,249,125 for 1-unit, the national ceiling). Conventional financing applies up to those amounts. Anything above is jumbo territory.

VA and USDA Don’t Have County Limits the Same Way

The county-tier system above applies to FHA and conventional. VA loans work differently: there’s no published “VA limit” for veterans with full entitlement – you can borrow whatever the property appraises for, with no down payment. Veterans with partial entitlement (because they’ve used VA before and it’s tied up) do hit limits that align with the conforming caps. USDA loans aren’t capped by loan amount at all – they’re capped by property eligibility (rural area) and household income (county/size-based). Different gates entirely.

What If My Loan Amount Is Above These Limits?

You go jumbo. Florida jumbo financing takes over once your loan amount exceeds the conforming cap for your county. Standard jumbo runs up to $4M, with exception programs reaching $15M. Down payment requirements are higher (typically 10%+ vs 5% conventional), credit floors are higher (typically 650+ vs 620), and reserves matter more.

For self-employed buyers shopping near or above the conforming limit, alternative income verification matters – bank statement programs and 1-year-tax-return jumbos let your real income show, which often unlocks meaningfully higher buying power than tax-return-net-income would. Our self-employed page has the full breakdown.

If your loan amount is just over the conforming limit, sometimes putting a bit more down to bring the loan under the cap is the cheapest move – conforming pricing is meaningfully better than jumbo pricing, and saving 3-5 basis points on rate over 30 years adds up. We model both scenarios at pre-approval.

What This Tool Can’t Tell You

• Whether you’ll qualify for the maximum. The county limit is the upper bound. Your actual approved loan amount depends on credit, DTI, income, reserves, and how lenders price the property. Your pre-approval might land lower than the county cap.
• FHA “high-balance” pricing. Tier 2/3/4 FHA loans (above the standard $524,225) sometimes carry a small rate premium – “high-balance FHA” is its own pricing category. We quote both at pre-approval.
• Down payment scenarios above the limit. If you’re buying a $1M home in a $806,500 baseline conforming county, you could put $194K down and stay conventional, or put 10% down and go jumbo. Different math, different rates. We run both.
• The 2027 update. HUD and FHFA publish next year’s limits in late November / early December. Until then, current 2026 values apply. We update this page each January after the new limits go live.

Use this tool as a directional check on what’s possible. For your real maximum loan amount and the cheapest financing path, send us your scenario for a free pre-approval.

Florida Loan Limits FAQ

Find Your Real Maximum

The county limit is the ceiling. Your actual approved amount depends on credit, income, debts, and property type. Send us your scenario; we’ll run the math across FHA, conventional, jumbo, and any other program that fits, and reach out within 24 hours on weekdays. Free, no obligation.