Florida FHA Loan Limits for 2026: Mortgage Guide

Florida FHA Loan Limits by County & FHA Loan Requirements

Florida FHA loan limits vary by county, and the limits for single-family homes in most Florida counties is $541,287 in 2026. In 16 higher-cost counties, it is higher. Monroe County (the Florida Keys) is the highest at $990,150, and Collier County is next at $764,750. Multi-unit homes have higher FHA mortgage limits, up to $1,041,125 for a four-unit property at the standard level. The limit is the most you can borrow with an FHA loan, so it sets a ceiling on the price of the home you can buy with a small down payment.

Below you will find the limit for every one of Florida’s 67 counties, plus what the numbers mean for your budget. These limits apply to FHA case numbers assigned on or after January 1, 2026, and come from the U.S. Department of Housing and Urban Development (HUD).

Maximum 2026 FHA Loan Limits by Florida County

Think of the FHA loan limit as a speed limit set for each county. HUD looks at home prices in each area and sets a cap on how large an FHA loan can be there. Most of Florida shares one standard limit. The counties where homes cost more get a higher one.

Florida Counties With Higher FHA Limits

These 16 counties are above the standard limit. If you are shopping in one of them, you can borrow more than buyers in the rest of the state.

FHA Loan Limits for All 67 Florida Counties

Every county not in the table above uses the standard limit: $541,287 for one unit, $693,050 for two units, $837,700 for three units, and $1,041,125 for four units. Here is the full list so you can find yours.

How FHA Loan Limits Work

Your county’s limit is not random. It follows a simple formula, and knowing it helps you see why the numbers differ so much from county to county.

The standard limit (also called the “floor”) is 65% of the national conforming loan limit, which is $832,750 for 2026. That works out to $541,287 for a one-unit home. The high-cost limit is 115% of the median home price in a county, but it can never go above a national cap, called the “ceiling.” The 2026 ceiling for a one-unit home is $1,249,125. No Florida county reaches it, but Monroe County comes closest.

Here is how the standard limits and the national ceiling compare for the number of units in the home:

HUD updates the limits every year, usually effective January 1. You can read more about how they change in our guide to FHA loan limits, and you can look up any county on HUD’s lender resources page.

What the Loan Limit Means for the Price You Can Pay

The limit caps your loan, not the price of the home. So the most you can spend depends on how much you put down. With the minimum 3.5% down payment, you can buy a home that costs a little more than your county’s limit.

Here is a quick example for a one-unit home in four counties. We divide the limit by 0.965 (because you are borrowing 96.5% of the price) and round to the nearest dollar.

One detail that surprises people: the limit applies to your base loan amount, before the upfront mortgage insurance premium is added. In Duval County, for example, you could borrow $580,750 and then finance the 1.75% upfront premium on top, for a total loan of about $590,913. Learn how that works in our guide to FHA mortgage insurance.

What If the Home Costs More Than the FHA Limit?

You still have good loan options. This is a common situation in places like Naples, Fort Lauderdale, and West Palm Beach, where prices can run past the cap.

Here are the three most common ways around it:

• Put more money down. If a home costs $620,000 in a county with a $541,287 limit, a larger down payment brings your loan under the cap.
• Switch to a conventional loan. The conforming limit for most of Florida is $832,750 for one unit, which is well above the FHA limit. Compare the two in our FHA vs. conventional guide.
• Look at a jumbo loan. If you need to borrow more than the conforming limit, a jumbo loan is the next step.

Not sure which fits? We can run the numbers side by side and show you the real monthly payment for each.

FHA Limits for Duplexes, Triplexes, and Fourplexes

FHA lets you buy a home with up to four units and still use the low minimum down payment, as long as you live in one of the units. Because the limits go up with each unit, this is a popular way to get started as a landlord. Your tenants’ rent can help you afford the mortgage.

For example, in Duval County the four-unit limit is $1,116,850, compared with $580,750 for a single-family home. In Broward County, it is $1,282,700. Each property has to meet FHA’s property requirements. Read more in our guide to buying a duplex with an FHA loan.

Other FHA Requirements to Know About: Credit Score, DTI, Mortgage Insurance, and More

Falling under the mortgage loan limit is only one step. Here is what lenders or a loan officer also look at:

• Minimum Credit score: 580 or higher for the 3.5% FHA down payment. A score of 500 to 579 can still qualify for an FHA loan with 10% down.
• Debt-to-income ratio: Your monthly debts compared with your income. The standard targets are 31% for housing costs and 43% for total debts, and automated approval can allow more. See our debt-to-income guide.
• Primary residence: You must plan to live in the home, generally moving in within 60 days of closing.
• Seller help: The seller can contribute up to 6% of the price toward your closing costs.
• Mortgage insurance: FHA charges an upfront premium of 1.75% and a monthly annual premium. For most loans up to $726,200, the annual rate is 0.50% to 0.55%.

For the full list, see our FHA guidelines and our page on FHA loans in Florida.

Your Next Steps

Buying with an FHA loan comes down to three things: checking your county’s cap, setting a budget that fits under it, and confirming you meet the eligibility rules. The steps below walk you through each one in that order.

1. Find your county loan limits in the tables above and note the limit for the kind of home you want.
2. Set your budget and down payment
3. Talk to us. We will check your credit, confirm your numbers, and tell you what you qualify for.

Florida FHA Home Loan Limits FAQ

Here are answers to the questions we hear most about FHA loan limits in Florida.

What is the FHA loan limit in Florida for 2026?

For a single-family home, it is $541,287 in most counties. Sixteen counties have higher limits, ranging from $547,400 in Manatee and Sarasota to $990,150 in Monroe. The limits are higher for two- to four-unit homes.

Which Florida counties have the highest FHA limits?

Monroe County is the highest at $990,150 for one unit. Collier County is second at $764,750, followed by Broward, Miami-Dade, and Palm Beach at $667,000.

Do FHA loan limits change every year?

Yes. HUD resets them each year, usually effective January 1. They are based on home prices and the national conforming loan limit, so they have generally gone up as prices rise.

Does the FHA limit include the upfront mortgage insurance premium?

No. The limit applies to your base loan amount. The 1.75% upfront premium can be financed on top of it.

Can I buy a home that costs more than the FHA limit?

Yes, but you would need to bring enough down payment to keep the loan at or below the limit, or use a conventional or jumbo loan instead.

What is the FHA limit for a duplex in Florida?

In most counties it is $693,050. In higher-cost areas it is more: $743,450 in Duval, $853,900 in Broward, Miami-Dade, and Palm Beach, $979,000 in Collier, and $1,267,600 in Monroe.

What is the FHA limit in Miami-Dade, Broward, and Palm Beach?

All three share the same limits: $667,000 for one unit, $853,900 for two, $1,032,150 for three, and $1,282,700 for four.

What is the FHA limit in Jacksonville (Duval County)?

It is $580,750 for one unit, $743,450 for two, $898,700 for three, and $1,116,850 for four. The same limits apply in Baker, Clay, Nassau, and St. Johns counties.

Are FHA loan limits the same as conventional loan limits?

No. The FHA standard limit is lower. The conventional conforming limit for 2026 is $832,750 for one unit (only Monroe County’s FHA limit of $990,150 is higher).

How much down payment do I need for an FHA loan in Florida?

The minimum is 3.5% with a credit score requirement of 580 or higher. With a score from 500 to 579, you need 10% down.

Does the FHA limit apply to refinancing?

Yes. FHA also sets limits on refinance loans, and they are tied to the same county limits. Contact us to see how your property and balance fit.

Are FHA loans for a maximum of 30 years?

Yes. The longest standard FHA loan is 30 years. You can also choose a shorter term, such as 15, 20, or 25 years. A shorter term means a higher monthly payment but less interest over the life of the loan. If you are not sure which fits your budget, we can show you the payments side by side.

How much do I need to make to buy a $300k house with an FHA loan?

FHA has no set minimum income. What matters is how your monthly income compares with your monthly payments. The standard targets are for your housing payment to be about 31% of your gross monthly income and your total debts about 43%. Automated approval can allow higher ratios.

Here is a rough example. On a $300,000 home with 3.5% down, the principal and interest payment is about $2,060 (see the example below). Add the FHA monthly mortgage insurance, property taxes, and homeowners insurance, and the full payment could be around $2,850 a month, though taxes and insurance vary widely across Florida. At the 31% target, that payment would call for roughly $9,200 a month in gross income, or about $110,000 a year, with few or no other debts. Every car payment, student loan, or credit card minimum raises the income you need. The only way to know your number is to run it with your real debts and local costs, and we are happy to do that for you.

How are FHA loan limits determined?

HUD sets them every year based on home prices. Each county gets a limit using this formula:

• The standard limit (floor) is 65% of the national conforming loan limit. For 2026, that is $541,287 for a one-unit home.
• The high-cost limit is 115% of the county’s median home price. It applies only in counties where that number comes out higher than the standard limit.
• The ceiling is a national cap of 150% of the conforming limit, which is $1,249,125 for a one-unit home in 2026.

Two- to four-unit homes get higher limits at each level.

What are the income requirements for an FHA loan in Florida?

There is no minimum income and no maximum income for an FHA loan. Lenders look for steady, documented income, usually a two-year work history, and a debt-to-income ratio within FHA’s guidelines. You will typically provide pay stubs, W-2s, tax returns, and bank statements. Self-employed buyers can qualify too, usually with two years of tax returns.

Ready to Check Your Numbers and Apply for an FHA Loan?

Tell us the county and price range you have in mind, and we will show you exactly what an FHA loan could look like. Apply online or call 262-305-0680. You can also see today’s loan rates or explore the pros and cons of FHA loans first. If you are looking in a specific area, we cover Jacksonville, Tampa, and Orlando too.

FHA Loan Example (3.5% down): $300,000 sales price, $10,500 down payment, $294,566 loan amount (includes $5,066 FHA upfront mortgage insurance premium), 7.500% interest rate, 7.623% APR, $2,060 principal and interest payment.

FHA Loan Example (10% down): $300,000 sales price, $30,000 down payment, $274,725 loan amount (includes $4,725 FHA upfront mortgage insurance premium), 7.500% interest rate, 7.631% APR, $1,921 principal and interest payment.

Taxes, insurance, and mortgage insurance will be part of the total monthly mortgage payment but are not included in the above examples. These examples are for illustrative purposes only and may differ from the current interest rate offered. Call for the current rate and full disclosure of current terms.

Union Home Mortgage Corp. does not provide tax, legal, credit repair, or accounting services.

This information is provided for educational purposes only. FHA loan programs, loan limits, and mortgage insurance premiums are set by the Department of Housing and Urban Development and are subject to change. Verify current program details with an approved FHA lender at the time of application.