Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in Pace, FL

Quick answer

The 2026 FHA loan limit in Pace, FL (Santa Rosa County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $271,400 median home value, that down payment is about $9,499 and the estimated payment is $2,335/month at 7.18%, which needs roughly $101,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $84,912; value-to-income ratio 3.20. Pace ranks 246 by home value and 166 by population among 343 places in our FL dataset.

What does an FHA loan cost on a typical Pace home?

ItemPace
Median home value (Census ACS)$271,400
Florida median home value$325,000
Down payment (3.5%)$9,499
Loan incl. 1.75% upfront MIP$266,484
Estimated monthly payment (PITI + MI)$2,335
Income needed (28% / 36%)$101,000 / $78,000
Santa Rosa County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Florida's 0.79% effective property tax rate (Census ACS), $2,779/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Pace?

Pace is in Santa Rosa County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Pace median home value of $271,400 is 16% below the Florida median, and within what the county limit supports.

Which down payment assistance programs can Pace buyers use?

FHA loans in nearby cities

MiltonFerry PassGonzalezEnsleyBrentEast Milton

FHA loan FAQs for Pace

Pace is in Santa Rosa County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $271,400 is about $9,499 with a 580+ credit score (10%, or $27,140, with a 500–579 score), plus closing costs.

At the $271,400 median value (below the Florida median of $325,000), the estimated payment of $2,335/month at 7.18% needs about $101,000 a year under the 28% housing guideline, or $78,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with FHA lenders in Pace

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.