2026 FHA Loan Limits in Florida by County

The Federal Housing Administration (FHA) determines the maximum loan amount borrowers can qualify for when seeking an FHA loan. These FHA loan limits can vary by county and are based on the median home prices in each county. FHA loan limits are adjusted annually based on housing market changes. In Florida, FHA loan limits fall into two main categories:

• Standard Loan Limits. These limits apply to most counties in the state and serve as a baseline for FHA mortgages.
• High Cost Area Loan Limits. These limits are higher than the standard limits and apply to counties with significantly higher median home prices such as Miami-Dade, Broward, Palm Beach and Monroe counties.

For a 1 unit home (single family) the limits in Florida range from a standard limit of $541,287 up to a high cost limit of $990,150. FHA also has different loan limits based on the number of units in the home. Below are the 2026 FHA loan limits for 1- 4 unit properties in FL for each county.

County	1 Unit	2 Units	3 Units	4 Units
ALACHUA, BAY, BRADFORD, BREVARD, CALHOUN, CHARLOTTE, CITRUS, COLUMBIA, DESOTO, DIXIE, ESCAMBIA, FLAGLER, FRANKLIN, GADSDEN, GILCHRIST, GLADES, GULF	$541,287	$693,050	$837,700	$1,041,125
HAMILTON, HARDEE, HENDRY, HERNANDO, HIGHLANDS, HILLSBOROUGH, HOLMES, INDIAN RIVER, JACKSON, JEFFERSON, LAFAYETTE, LAKE, LEE, LEON, LEVY, LIBERTY	$541,287	$693,050	$837,700	$1,041,125
MADISON, MARION, OKEECHOBEE, ORANGE, OSCEOLA, PASCO, PINELLAS, POLK, PUTNAM	$541,287	$693,050	$837,700	$1,041,125
SANTA ROSA, SEMINOLE, SUMTER, SUWANNEE, TAYLOR, UNION, VOLUSIA, WAKULLA, WASHINGTON	$541,287	$693,050	$837,700	$1,041,125
MANATEE, SARASOTA	$547,400	$700,750	$847,050	$1,052,700
BAKER, CLAY, DUVAL, NASSAU, ST. JOHNS	$580,750	$743,450	$898,700	$1,116,850
MARTIN, OKALOOSA, ST. LUCIE, WALTON	$603,750	$772,900	$934,250	$1,161,050
BROWARD, MIAMI-DADE, PALM BEACH	$667,000	$853,900	$1,032,150	$1,282,700
COLLIER	$764,750	$979,000	$1,183,400	$1,470,700
MONROE	$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 FHA and conforming loan limits for any United States county.

2026 FHA loan limits in Florida high cost counties

Sixteen of Florida's sixty seven counties qualify for a higher FHA loan limit in 2026. Florida's high cost counties span six distinct FHA tiers reflecting wide variation in local median home prices, from the Sarasota MSA at $547,400 to Monroe County at the state ceiling of $990,150. The remaining fifty one counties are at the standard FHA floor of $541,287.

Monroe County (Florida Keys) FHA limits

Monroe County, covering Key West, Marathon, Islamorada, Key Largo, and the rest of the Florida Keys, carries the highest 2026 FHA limit in Florida at $990,150 for a one unit property. Multi-unit limits increase to $1,267,600 (2 unit), $1,532,200 (3 unit), and $1,904,150 (4 unit). Monroe's median home price exceeds $861,000, the highest in the state, driven by limited buildable land, hurricane insurance and elevation requirements, and steady demand for second homes. Even at the higher FHA limit, jumbo financing is common in Key West and the upper Keys where waterfront and conch house pricing regularly exceeds $1.5 million.

Collier County (Naples) FHA limits

Collier County (Naples, Marco Island, Bonita Springs, Estero, Immokalee) has its own single-county tier at $764,750 for a one unit property in 2026, with multi-unit limits at $979,000 (2 unit), $1,183,400 (3 unit), and $1,470,700 (4 unit). Naples is among Florida's most affluent housing markets with median home prices around $650,000. The Collier limit is above the South Florida tier ($667,000) and below Monroe ($990,150), placing Naples in its own FHA category statewide.

South Florida FHA limits

The three South Florida counties: Miami-Dade (Miami, Hialeah, Miami Beach, Coral Gables, Doral, Aventura, Homestead), Broward (Fort Lauderdale, Hollywood, Pembroke Pines, Coral Springs, Plantation, Davie, Sunrise), and Palm Beach (West Palm Beach, Boca Raton, Boynton Beach, Delray Beach, Wellington, Jupiter, Palm Beach Gardens), share a 2026 FHA limit of $667,000 for a one unit property. Multi-unit limits in all three counties are $853,900 (2 unit), $1,032,150 (3 unit), and $1,282,700 (4 unit). The three counties together form the Miami-Fort Lauderdale-West Palm Beach Metropolitan Statistical Area, the largest metro by population in Florida and one of the most active FHA markets in the United States. FHA condo project approval is particularly relevant in this region since much of the housing stock is condominium.

Florida Treasure Coast and Panhandle high-cost tier

Four counties share the 2026 FHA tier at $603,750 for a one unit property: Martin (Stuart, Palm City, Hobe Sound, Jensen Beach) and St. Lucie (Port St. Lucie, Fort Pierce, Tradition) on the Treasure Coast, and Okaloosa (Destin, Fort Walton Beach, Crestview, Niceville) and Walton (Santa Rosa Beach, Miramar Beach, DeFuniak Springs, the 30A corridor) on the Florida Panhandle Gulf Coast. Despite being on opposite sides of the state, these four counties share the same FHA limit because their median home prices fall in the same band, reflecting strong second-home and retirement-market demand in both regions. Multi-unit limits are $772,900 (2 unit), $934,250 (3 unit), and $1,161,050 (4 unit).

Jacksonville MSA FHA limits

The five county Jacksonville Metropolitan Statistical Area: Duval (Jacksonville, Atlantic Beach, Jacksonville Beach, Neptune Beach), Clay (Orange Park, Fleming Island, Middleburg, Green Cove Springs), Nassau (Fernandina Beach, Yulee, Amelia Island), St. Johns (St. Augustine, Ponte Vedra Beach, Nocatee), and Baker (Macclenny), share a 2026 FHA limit of $580,750 for a one unit property. Multi-unit limits are $743,450 (2 unit), $898,700 (3 unit), and $1,116,850 (4 unit). The Jacksonville MSA is one of Florida's faster growing metros and has seen home price appreciation over the past several years pushing the entire five county MSA into a dedicated FHA tier above the state floor.

Sarasota and Manatee County FHA limits

Manatee County (Bradenton, Palmetto, Lakewood Ranch, Anna Maria Island) and Sarasota County (Sarasota, Venice, North Port, Englewood, Siesta Key) form the Sarasota-Bradenton MSA and share a 2026 FHA limit of $547,400 for a one unit property, only $6,113 above the state floor. Multi-unit limits are $700,750 (2 unit), $847,050 (3 unit), and $1,052,700 (4 unit). Both counties have strong retirement, second home, and waterfront demand that pushes their median prices just above the threshold for the FHA floor.

2026 FHA loan limits in Florida floor counties

Fifty one Florida counties carry the standard FHA floor limit in 2026. The floor for a one unit property is $541,287, with multi-unit limits at $693,050 (2 unit), $837,700 (3 unit), and $1,041,125 (4 unit). These limits apply to every Florida county outside the sixteen county high cost group covering the major Tampa and Orlando metros, much of the Space Coast and Treasure Coast, the Fort Myers and Cape Coral region, the panhandle outside Okaloosa and Walton and the agricultural and rural counties across central and north Florida.

Tampa Bay and Orlando metros

Both of Florida's two largest inland metros sit at the FHA floor. The Tampa-St. Petersburg-Clearwater MSA (Hillsborough, Pinellas, Pasco, Hernando counties) and the Orlando-Kissimmee-Sanford MSA (Orange, Osceola, Seminole, Lake counties) are all at $541,287 despite median home prices around $400,000 to $453,000 in the core counties. The floor sits above local medians, leaving room for FHA financing on most transactions in Tampa, St. Petersburg, Clearwater, Brandon, Wesley Chapel, Orlando, Kissimmee, Sanford, Winter Park, and the surrounding suburbs.

Fort Myers, Cape Coral, and Southwest Florida

Lee County (Fort Myers, Cape Coral, Bonita Springs, Estero, Sanibel) and Charlotte County (Port Charlotte, Punta Gorda) are at the FHA floor. Lee in particular has seen substantial population growth and home price appreciation over the past several years; its median home price of $364,000 still sits below the threshold that would trigger an intermediate tier, but the gap has narrowed. The floor also applies to neighboring counties in the Cape Coral-Fort Myers MSA and the broader Southwest Florida region.

Tallahassee, Pensacola, and the rural counties

The Tallahassee MSA (Leon, Gadsden, Jefferson, Wakulla counties), the Pensacola MSA (Escambia, Santa Rosa counties), and Florida's many rural counties across the panhandle, north Florida, the agricultural central interior, and the inland east coast, all carry the FHA floor at $541,287. Median home prices in many of these counties are well under $200,000 leaving substantial room under the FHA cap for most purchases.

What happens if your Florida purchase exceeds the FHA loan limit?

If your purchase price requires a loan that exceeds the FHA limit for your Florida county, FHA financing isn't an option for the full amount. Common alternatives include:

• Conventional conforming loan. The 2026 Florida conforming loan limit is $832,750 (baseline), meaning conventional financing reaches further than FHA in nearly every Florida county. Conventional loans require 3-5% minimum down for first time buyers with a 620+ credit score, or 20% down to avoid mortgage insurance. See our 2026 Florida Conforming Loan Limits page for full conforming county details.
• Jumbo loan. If your purchase exceeds both FHA and conforming limits, jumbo financing is the next option. Jumbo requirements are typically stricter (700+ credit score, 10-20% down, lower DTI), but rates often price competitively with conforming for strong borrowers. Florida's most active jumbo markets are in South Florida, the Keys, Naples, and the Panhandle 30A corridor.
• Larger down payment. Increasing your down payment can bring your loan amount within the FHA or conforming limit. In Tampa, Orlando, Jacksonville, and other markets where FHA limits are near or at the floor, a larger down payment can keep FHA financing as an option on most Florida purchases.

How to get pre-approved for a Florida FHA loan

Getting pre-approved for a FHA 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.

Ready to get started on your FL FHA loan?

Whether you're a first-time buyer, refinancing an existing FHA loan, or considering an FHA 203(k) renovation loan, Alpine Mortgage is ready to help. The next step depends on where you are in the process:

Or call (201) 488-8809 to speak with a Florida FHA loan originator today.

Florida FHA Loan Limits FAQs