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FHA loans in Vero Beach South, FL

Quick answer

The 2026 FHA loan limit in Vero Beach South, FL (Indian River 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 $295,500 median home value, that down payment is about $10,343 and the estimated payment is $2,521/month at 7.18%, which needs roughly $109,000 a year in income.

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

Median household income: $71,675; value-to-income ratio 4.12. Vero Beach South ranks 205 by home value and 142 by population among 343 places in our FL dataset.

What does an FHA loan cost on a typical Vero Beach South home?

ItemVero Beach South
Median home value (Census ACS)$295,500
Florida median home value$325,000
Down payment (3.5%)$10,343
Loan incl. 1.75% upfront MIP$290,148
Estimated monthly payment (PITI + MI)$2,521
Income needed (28% / 36%)$109,000 / $85,000
Indian River 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 Vero Beach South?

Vero Beach South is in Indian River 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 Vero Beach South median home value of $295,500 is 9% below the Florida median, and within what the county limit supports.

Which down payment assistance programs can Vero Beach South buyers use?

FHA loans in nearby cities

Vero BeachFlorida RidgeWest Vero CorridorLakewood ParkSebastianFort Pierce

FHA loan FAQs for Vero Beach South

Vero Beach South is in Indian River 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 $295,500 is about $10,343 with a 580+ credit score (10%, or $29,550, with a 500–579 score), plus closing costs.

At the $295,500 median value (below the Florida median of $325,000), the estimated payment of $2,521/month at 7.18% needs about $109,000 a year under the 28% housing guideline, or $85,000 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.

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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.