2026 Florida Conforming Loan Limits

Conforming loan limits are the maximum loan amounts that Fannie Mae and Freddie Mac are willing to purchase from lenders. Loans that fall within these limits are known as conforming loans and typically offer more favorable interest rates and terms compared to non-conforming or jumbo loans. Conforming loan limits are set by the Federal Housing Finance Agency (FHFA) and are adjusted annually to reflect changes in the housing market.

The FHFA determines conforming loan limits based on the House Price Index (HPI), which measures the average change in home prices across the country. The conforming loan limit is set at 115% of the median home price in a given area, subject to a floor and a ceiling. In Florida, conforming loan limits are divided into two main categories:

• Standard Conforming Loan Limits. These limits apply to most counties in the state and represent the baseline for conforming mortgages.
• High Cost Area Conforming Loan Limits. These limits are higher than the standard limits and are applicable in counties with significantly higher median home prices such as Monroe County, driven by the higher median home prices in the Keys.

For a 1 unit home (single family) the limits in Florida range from a standard limit of $832,750 up to a high cost limit of $990,150. Conforming loans also has different loan limits based on the number of units in the home. Below are the 2026 conforming loan limits for 1- 4 unit properties in FL for each county.

County	1 Unit	2 Units	3 Units	4 Units
ALL COUNTIES IN FLORIDA EXCEPT MONROE COUNTY	$832,750	$1,066,250	$1,288,800	$1,601,750
MONROE COUNTY	$990,150	$1,267,600	$1,532,200	$1,904,150

Look up 2026 loan limits for any US county

Use our calculator below to see exact 2026 conforming and FHA loan limits for any United States county.

2026 conforming loan limits in Monroe County (Florida Keys)

Monroe County is the only Florida county that qualifies for the FHFA's high cost area designation in 2026. Median home prices in the Florida Keys, including Key West, Marathon, Islamorada and Key Largo, are substantially higher than mainland Florida due to constrained island geography and strong second home demand. The 2026 Monroe County conforming loan limit is $990,150 for a one unit property, with multi-unit limits increasing to $1,904,150 for a four unit property. Monroe County's FHA limit in 2026 is aligned with its conforming limit at $990,150, since FHFA and HUD use the same local median based methodology for high cost intermediate tier counties.

The Florida Keys housing market is heavily influenced by federal flood insurance program changes, hurricane risk and conservation rules that limit new construction. Most properties in Monroe County require windstorm insurance and may also require flood insurance which affects monthly affordability and debt-to-income qualification for any mortgage type.

2026 conforming loan limits in Florida baseline counties

Sixty six of Florida's 67 counties carry the standard baseline conforming loan limit in 2026. These counties span the entire state including all of the South Florida tri-county area (Miami-Dade, Broward, Palm Beach), the Tampa Bay region (Hillsborough, Pinellas, Pasco, Manatee, Sarasota), the Orlando metro (Orange, Seminole, Osceola, Lake), the Jacksonville area (Duval, St. Johns, Clay, Nassau), Southwest Florida (Lee, Collier, Charlotte) and the Florida Panhandle (Escambia, Santa Rosa, Okaloosa, Walton, Bay). Median home prices in these counties, as measured by FHFA's House Price Index data, fall below the threshold that would trigger a high cost area designation. Like every U.S. county, these counties benefit from the 2026 increase from $806,500 to $832,750 for one unit properties. Multi-unit limits are similarly higher: 2 unit at $1,066,250; 3 unit at $1,288,800; 4 unit at $1,601,750.

Notably, several Florida baseline counties have local home prices that exceed the conforming limit despite the county itself not being designated high cost. Collier County (Naples and Marco Island), Walton County (Destin and the 30A coastal corridor), Martin County (Stuart and Hutchinson Island), Sarasota County and Palm Beach County all see substantial volumes of transactions above the $832,750 conforming limit. In these markets, jumbo financing is common for higher priced homes. Even in baseline Florida counties, the FHA loan limit in 2026 remains at the floor of $541,287 for one unit properties, well below the $832,750 conforming limit.

When does a Florida mortgage become a jumbo loan?

A Florida mortgage becomes a jumbo loan the moment it exceeds the conforming loan limit for the county where the property is located. In 2026, that means:

• In Monroe County (Florida Keys): any one unit mortgage above $990,150 is jumbo.
• In all 66 other Florida counties (including Miami-Dade, Broward, Palm Beach, Hillsborough, Orange, Duval, Pinellas, Lee, Collier, Walton): any one unit mortgage above $832,750 is jumbo.

Jumbo loan rates in Florida

Jumbo mortgage rates in Florida can be higher than conforming rates and sometimes price better than conforming for borrowers with strong credit, larger down payments and substantial reserves. Florida is one of the highest volume jumbo lending markets in the country given the concentration of high value properties along the southeast coast, southwest coast and Florida Keys. For current pricing, see our Florida mortgage rates page.

Should you look at jumbo or conforming?

If your mortgage amount is just above the conforming limit for your Florida county, several strategies may help bring you back within conforming territory:

• Increase your down payment. An additional $20,000-$50,000 down can be the difference between a jumbo and conforming loan, and conforming pricing may save you more than the opportunity cost of the additional cash.
• Consider a piggyback (80/10/10) structure. A first mortgage at the conforming limit plus a second mortgage or HELOC for the gap can preserve conforming pricing on the larger loan.

If your mortgage is well above the conforming limit jumbo financing is typically the cleaner path. Alpine Mortgage works with multiple wholesale jumbo investors and can show you both options to determine which structure is best for your specific scenario.

Because jumbo loans aren't purchased by Fannie Mae or Freddie Mac, lenders either keep them on their balance sheet or sell them to private investors. Jumbo guidelines therefore tend to be stricter than conforming guidelines, but the differences are smaller than many borrowers expect.

2025 vs. 2026 Florida conforming loan limit changes

Limit Type	2025 (1-Unit)	2026 (1-Unit)	Change
Baseline counties	$806,500	$832,750	+$26,250 (+3.3%)
Monroe County (Florida Keys)	$929,200	$990,150	+$60,950 (+6.6%)

The 2026 baseline conforming limit increased $26,250 (about 3.3%) from $806,500 to $832,750, a smaller increase than recent years, reflecting moderating home price appreciation nationally. Monroe County's conforming limit increased more substantially, reflecting continued home price appreciation in the Florida Keys housing market over the prior year period measured by FHFA. Both limits apply to loans delivered to Fannie Mae or Freddie Mac on or after January 1, 2026.

Conforming versus FHA loan limits in Florida

Conforming and FHA loan limits sound similar but apply to different loan programs and are set by different agencies. The right limit depends on which loan program you're using:

• Conforming limits apply to conventional mortgages backed by Fannie Mae and Freddie Mac. These are the limits described on this page.
• FHA limits apply to mortgages insured by the Federal Housing Administration, which are typically used by borrowers with smaller down payments, lower credit scores, or other underwriting flexibility needs.

In Florida, the conforming and FHA limits are aligned in Monroe County (both at $990,150 for one unit properties). In baseline counties, the conforming limit of $832,750 is well above the FHA floor of $541,287, so the two programs serve different segments of the market. A small number of Florida baseline counties carry intermediate FHA limits above the floor (notably Collier County for the Naples market and Walton County for the Destin/30A market), even though their conforming limits remain at the baseline.

If you're researching FHA limits specifically, see our dedicated 2026 Florida FHA Loan Limits page, which covers FHA floor counties, intermediate tier counties and the FHA ceiling counties.

For a side-by-side comparison of both limits in any Florida county, our 2026 Conventional & FHA Loan Limits Calculator displays both at once.

How to get pre-approved for a Florida conventional loan

Getting pre-approved for a conventional mortgage is quick and easy with our online Loan Application. After completing the application, you will receive instructions on how to upload your documents. For a list of documents you will need to upload, see our Pre-approval Document Checklist.

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