Florida loan limits 2026 by county
In 2026, 1 of the 67 counties in Florida has a conforming loan limit above the $832,750 national baseline; the highest is $990,150 for a one-unit home in Monroe County. FHA limits run from $541,287 to $990,150: 16 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Florida county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Alachua County | $832,750 | $541,287 | Gainesville, FL |
| Baker County | $832,750 | $580,750 | Jacksonville, FL |
| Bay County | $832,750 | $541,287 | Panama City-Panama City Beach, FL |
| Bradford County | $832,750 | $541,287 | Non-Metro |
| Brevard County | $832,750 | $541,287 | Palm Bay-Melbourne-Titusville, FL |
| Broward County | $832,750 | $667,000 | Miami-Fort Lauderdale-West Palm Beach, FL |
| Calhoun County | $832,750 | $541,287 | Non-Metro |
| Charlotte County | $832,750 | $541,287 | Punta Gorda, FL |
| Citrus County | $832,750 | $541,287 | Homosassa Springs, FL |
| Clay County | $832,750 | $580,750 | Jacksonville, FL |
| Collier County | $832,750 | $764,750 | Naples-Marco Island, FL |
| Columbia County | $832,750 | $541,287 | Lake City, FL |
| DeSoto County | $832,750 | $541,287 | Arcadia, FL |
| Dixie County | $832,750 | $541,287 | Non-Metro |
| Duval County | $832,750 | $580,750 | Jacksonville, FL |
| Escambia County | $832,750 | $541,287 | Pensacola-Ferry Pass-Brent, FL |
| Flagler County | $832,750 | $541,287 | Deltona-Daytona Beach-Ormond Beach, FL |
| Franklin County | $832,750 | $541,287 | Non-Metro |
| Gadsden County | $832,750 | $541,287 | Tallahassee, FL |
| Gilchrist County | $832,750 | $541,287 | Gainesville, FL |
| Glades County | $832,750 | $541,287 | Clewiston, FL |
| Gulf County | $832,750 | $541,287 | Non-Metro |
| Hamilton County | $832,750 | $541,287 | Non-Metro |
| Hardee County | $832,750 | $541,287 | Non-Metro |
| Hendry County | $832,750 | $541,287 | Clewiston, FL |
| Hernando County | $832,750 | $541,287 | Tampa-St. Petersburg-Clearwater, FL |
| Highlands County | $832,750 | $541,287 | Sebring, FL |
| Hillsborough County | $832,750 | $541,287 | Tampa-St. Petersburg-Clearwater, FL |
| Holmes County | $832,750 | $541,287 | Non-Metro |
| Indian River County | $832,750 | $541,287 | Sebastian-Vero Beach-West Vero Corridor, FL |
| Jackson County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $832,750 | $541,287 | Tallahassee, FL |
| Lafayette County | $832,750 | $541,287 | Non-Metro |
| Lake County | $832,750 | $541,287 | Orlando-Kissimmee-Sanford, FL |
| Lee County | $832,750 | $541,287 | Cape Coral-Fort Myers, FL |
| Leon County | $832,750 | $541,287 | Tallahassee, FL |
| Levy County | $832,750 | $541,287 | Gainesville, FL |
| Liberty County | $832,750 | $541,287 | Non-Metro |
| Madison County | $832,750 | $541,287 | Non-Metro |
| Manatee County | $832,750 | $547,400 | North Port-Bradenton-Sarasota, FL |
| Marion County | $832,750 | $541,287 | Ocala, FL |
| Martin County | $832,750 | $603,750 | Port St. Lucie, FL |
| Miami-Dade County | $832,750 | $667,000 | Miami-Fort Lauderdale-West Palm Beach, FL |
| Monroe County | $990,150 | $990,150 | Key West-Key Largo, FL |
| Nassau County | $832,750 | $580,750 | Jacksonville, FL |
| Okaloosa County | $832,750 | $603,750 | Crestview-Fort Walton Beach-Destin, FL |
| Okeechobee County | $832,750 | $541,287 | Okeechobee, FL |
| Orange County | $832,750 | $541,287 | Orlando-Kissimmee-Sanford, FL |
| Osceola County | $832,750 | $541,287 | Orlando-Kissimmee-Sanford, FL |
| Palm Beach County | $832,750 | $667,000 | Miami-Fort Lauderdale-West Palm Beach, FL |
| Pasco County | $832,750 | $541,287 | Tampa-St. Petersburg-Clearwater, FL |
| Pinellas County | $832,750 | $541,287 | Tampa-St. Petersburg-Clearwater, FL |
| Polk County | $832,750 | $541,287 | Lakeland-Winter Haven, FL |
| Putnam County | $832,750 | $541,287 | Palatka, FL |
| Santa Rosa County | $832,750 | $541,287 | Pensacola-Ferry Pass-Brent, FL |
| Sarasota County | $832,750 | $547,400 | North Port-Bradenton-Sarasota, FL |
| Seminole County | $832,750 | $541,287 | Orlando-Kissimmee-Sanford, FL |
| St. Johns County | $832,750 | $580,750 | Jacksonville, FL |
| St. Lucie County | $832,750 | $603,750 | Port St. Lucie, FL |
| Sumter County | $832,750 | $541,287 | Wildwood-The Villages, FL |
| Suwannee County | $832,750 | $541,287 | Non-Metro |
| Taylor County | $832,750 | $541,287 | Non-Metro |
| Union County | $832,750 | $541,287 | Non-Metro |
| Volusia County | $832,750 | $541,287 | Deltona-Daytona Beach-Ormond Beach, FL |
| Wakulla County | $832,750 | $541,287 | Tallahassee, FL |
| Walton County | $832,750 | $603,750 | Crestview-Fort Walton Beach-Destin, FL |
| Washington County | $832,750 | $541,287 | Panama City-Panama City Beach, FL |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Florida
Monroe County ($990,150), Collier County ($764,750), Broward County ($667,000), Miami-Dade County ($667,000) and Palm Beach County ($667,000). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Florida
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Florida fair market rentsHUD Fair Market Rents for every Florida county, studios to 4 bedrooms.
- Florida property tax ratesEffective property tax rate for every Florida county from survey data.
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Questions about Florida loan limits
What are the FHA loan limits in Florida for 2026?
$541,287 to $990,150 for a one-unit home, depending on the county. 16 counties are above the national floor of $541,287, led by Monroe County ($990,150), Collier County ($764,750) and Broward County ($667,000); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Florida for 2026?
$832,750 to $990,150 for a one-unit home, by county; 1 county is above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in Florida?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 to $990,150 in Florida for 2026: 25 percent of that limit minus the entitlement already used.
Which Florida counties have the highest loan limits?
Conforming: Monroe County at $990,150. FHA: Monroe County at $990,150. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/florida. Not lending advice.