What are the loan limits in each Florida county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Alachua County | $832,750 | $541,287 | $693,050 | $266,800 |
| Baker County | $832,750 | $580,750 | $743,450 | $225,000 |
| Bay County | $832,750 | $541,287 | $693,050 | $276,900 |
| Bradford County | $832,750 | $541,287 | $693,050 | $180,300 |
| Brevard County | $832,750 | $541,287 | $693,050 | $304,400 |
| Broward County | $832,750 | $667,000 | $853,900 | $380,400 |
| Calhoun County | $832,750 | $541,287 | $693,050 | $134,000 |
| Charlotte County | $832,750 | $541,287 | $693,050 | $291,000 |
| Citrus County | $832,750 | $541,287 | $693,050 | $223,200 |
| Clay County | $832,750 | $580,750 | $743,450 | $281,500 |
| Collier County | $832,750 | $764,750 | $979,000 | $486,800 |
| Columbia County | $832,750 | $541,287 | $693,050 | $186,400 |
| DeSoto County | $832,750 | $541,287 | $693,050 | $151,500 |
| Dixie County | $832,750 | $541,287 | $693,050 | $96,900 |
| Duval County | $832,750 | $580,750 | $743,450 | $274,900 |
| Escambia County | $832,750 | $541,287 | $693,050 | $234,200 |
| Flagler County | $832,750 | $541,287 | $693,050 | $333,400 |
| Franklin County | $832,750 | $541,287 | $693,050 | $254,300 |
| Gadsden County | $832,750 | $541,287 | $693,050 | $154,700 |
| Gilchrist County | $832,750 | $541,287 | $693,050 | $191,000 |
| Glades County | $832,750 | $541,287 | $693,050 | $114,800 |
| Gulf County | $832,750 | $541,287 | $693,050 | $235,700 |
| Hamilton County | $832,750 | $541,287 | $693,050 | $110,400 |
| Hardee County | $832,750 | $541,287 | $693,050 | $129,400 |
| Hendry County | $832,750 | $541,287 | $693,050 | $189,700 |
| Hernando County | $832,750 | $541,287 | $693,050 | $240,700 |
| Highlands County | $832,750 | $541,287 | $693,050 | $177,900 |
| Hillsborough County | $832,750 | $541,287 | $693,050 | $333,300 |
| Holmes County | $832,750 | $541,287 | $693,050 | $101,400 |
| Indian River County | $832,750 | $541,287 | $693,050 | $314,700 |
| Jackson County | $832,750 | $541,287 | $693,050 | $113,900 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $198,800 |
| Lafayette County | $832,750 | $541,287 | $693,050 | $131,600 |
| Lake County | $832,750 | $541,287 | $693,050 | $287,900 |
| Lee County | $832,750 | $541,287 | $693,050 | $326,300 |
| Leon County | $832,750 | $541,287 | $693,050 | $279,800 |
| Levy County | $832,750 | $541,287 | $693,050 | $171,400 |
| Liberty County | $832,750 | $541,287 | $693,050 | $117,600 |
| Madison County | $832,750 | $541,287 | $693,050 | $105,900 |
| Manatee County | $832,750 | $547,400 | $700,750 | $359,800 |
| Marion County | $832,750 | $541,287 | $693,050 | $220,800 |
| Martin County | $832,750 | $603,750 | $772,900 | $386,500 |
| Miami-Dade County | $832,750 | $667,000 | $853,900 | $425,400 |
| Monroe County | $990,150 | $990,150 | $1,267,600 | $723,800 |
| Nassau County | $832,750 | $580,750 | $743,450 | $351,100 |
| Okaloosa County | $832,750 | $603,750 | $772,900 | $324,800 |
| Okeechobee County | $832,750 | $541,287 | $693,050 | $179,000 |
| Orange County | $832,750 | $541,287 | $693,050 | $358,300 |
| Osceola County | $832,750 | $541,287 | $693,050 | $317,600 |
| Palm Beach County | $832,750 | $667,000 | $853,900 | $407,300 |
| Pasco County | $832,750 | $541,287 | $693,050 | $265,800 |
| Pinellas County | $832,750 | $541,287 | $693,050 | $319,000 |
| Polk County | $832,750 | $541,287 | $693,050 | $240,000 |
| Putnam County | $832,750 | $541,287 | $693,050 | $147,300 |
| Santa Rosa County | $832,750 | $541,287 | $693,050 | $302,100 |
| Sarasota County | $832,750 | $547,400 | $700,750 | $373,100 |
| Seminole County | $832,750 | $541,287 | $693,050 | $357,300 |
| St. Johns County | $832,750 | $580,750 | $743,450 | $457,600 |
| St. Lucie County | $832,750 | $603,750 | $772,900 | $305,800 |
| Sumter County | $832,750 | $541,287 | $693,050 | $356,000 |
| Suwannee County | $832,750 | $541,287 | $693,050 | $160,900 |
| Taylor County | $832,750 | $541,287 | $693,050 | $100,200 |
| Union County | $832,750 | $541,287 | $693,050 | $160,400 |
| Volusia County | $832,750 | $541,287 | $693,050 | $278,000 |
| Wakulla County | $832,750 | $541,287 | $693,050 | $216,300 |
| Walton County | $832,750 | $603,750 | $772,900 | $376,400 |
| Washington County | $832,750 | $541,287 | $693,050 | $156,000 |
Which Florida counties are high-cost areas?
Monroe County has conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in Florida
Frequently asked questions
FHA one-unit limits in Florida start at $541,287. In Miami-Dade County, the most populous county, it's $667,000.
The 2026 one-unit conforming limit in Miami-Dade County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
Get matched with Florida lenders
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 MatchesFigures 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.