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2026 FHA Loan Limits in Florida
FHA loans, backed by the Federal Housing Administration, help make homeownership more accessible to Florida homebuyers through flexible qualification standards and lower down payment requirements.
FHA mortgages are subject to loan limits. In 2026, FHA loan limits for single-family homes in Florida range from $541,287 in most counties up to $990,150 in higher-cost areas such as Monroe County, home to Key West.
Explore how FHA mortgages work, including FHA loan limits and how to qualify for an FHA loan in Florida.
Florida FHA loan limits by county
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| ALACHUA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| BAKER COUNTY | $580,750 | $743,450 | $898,700 | $1,116,850 | $486,000 |
| BAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| BRADFORD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $210,000 |
| BREVARD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $349,000 |
| BROWARD COUNTY | $667,000 | $853,900 | $1,032,150 | $1,282,700 | $580,000 |
| CALHOUN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $92,000 |
| CHARLOTTE COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| CITRUS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $247,000 |
| CLAY COUNTY | $580,750 | $743,450 | $898,700 | $1,116,850 | $486,000 |
| COLLIER COUNTY | $764,750 | $979,000 | $1,183,400 | $1,470,700 | $650,000 |
| COLUMBIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $180,000 |
| DESOTO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $230,000 |
| DIXIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $109,000 |
| DUVAL COUNTY | $580,750 | $743,450 | $898,700 | $1,116,850 | $486,000 |
| ESCAMBIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| FLAGLER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $351,000 |
| FRANKLIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $230,000 |
| GADSDEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $277,000 |
| GILCHRIST COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| GLADES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $245,000 |
| GULF COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $335,000 |
| HAMILTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $110,000 |
| HARDEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $175,000 |
| HENDRY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $245,000 |
| HERNANDO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $400,000 |
| HIGHLANDS COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| HILLSBOROUGH CO | $541,287 | $693,050 | $837,700 | $1,041,125 | $400,000 |
| HOLMES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| INDIAN RIVER CO | $541,287 | $693,050 | $837,700 | $1,041,125 | $384,000 |
| JACKSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| JEFFERSON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $277,000 |
| LAFAYETTE COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $119,000 |
| LAKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $453,000 |
| LEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $364,000 |
| LEON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $277,000 |
| LEVY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| LIBERTY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $85,000 |
| MADISON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $90,000 |
| MANATEE COUNTY | $547,400 | $700,750 | $847,050 | $1,052,700 | $433,000 |
| MARION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $270,000 |
| MARTIN COUNTY | $603,750 | $772,900 | $934,250 | $1,161,050 | $525,000 |
| MIAMI-DADE COUN | $667,000 | $853,900 | $1,032,150 | $1,282,700 | $580,000 |
| MONROE COUNTY | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 | $861,000 |
| NASSAU COUNTY | $580,750 | $743,450 | $898,700 | $1,116,850 | $486,000 |
| OKALOOSA COUNTY | $603,750 | $772,900 | $934,250 | $1,161,050 | $505,000 |
| OKEECHOBEE COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| ORANGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $453,000 |
| OSCEOLA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $453,000 |
| PALM BEACH COUN | $667,000 | $853,900 | $1,032,150 | $1,282,700 | $580,000 |
| PASCO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $400,000 |
| PINELLAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $400,000 |
| POLK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $304,000 |
| PUTNAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $134,000 |
| SANTA ROSA COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| SARASOTA COUNTY | $547,400 | $700,750 | $847,050 | $1,052,700 | $433,000 |
| SEMINOLE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $453,000 |
| ST. JOHNS COUNT | $580,750 | $743,450 | $898,700 | $1,116,850 | $486,000 |
| ST. LUCIE COUNT | $603,750 | $772,900 | $934,250 | $1,161,050 | $525,000 |
| SUMTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $380,000 |
| SUWANNEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| TAYLOR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $129,000 |
| UNION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $181,000 |
| VOLUSIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $351,000 |
| WAKULLA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $277,000 |
| WALTON COUNTY | $603,750 | $772,900 | $934,250 | $1,161,050 | $505,000 |
| WASHINGTON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
How much is your home purchase price?
$400,000
How are FHA loan limits determined?
Every year, the Federal Housing Administration establishes FHA loan limits by property type and the county or metro area where the home is located.
FHA mortgage limits are calculated as a percentage of the national conforming loan limit for conventional loans (non-government-backed mortgages). These limits are set based on home sale prices; when median home prices rise, FHA loan limits also increase.
FHA loan limits have three cost categories:
- Low-cost floor: The basic FHA loan limit applicable in most areas of the U.S. In 2026, the FHA “floor” is $541,287 for a one-unit home.
- High-cost ceiling: The highest FHA loan limit that’s in effect in more expensive metro areas nationwide. In 2026, the “ceiling” is $1,249,125 for a one-unit home. Many counties have loan limits that fall in between the floor and ceiling.
- Special exception areas: Alaska, Hawaii, Guam and the U.S. Virgin Islands are designated special exception areas with higher limits — $1,873,687 for a one-unit home in 2026.
How to qualify for an FHA loan in Florida
FHA loans have accessible borrower requirements, making them easier to qualify for than conventional loans. To be eligible for an FHA mortgage in Florida, you’ll apply with an approved lender who will check for the following FHA loan requirements:
- Down payment: The minimum down payment for an FHA loan is 3.5%, with a credit score of at least 580. (If your credit score is between 500 and 579, you’ll need to put at least 10% down.)
- Minimum credit score: To take advantage of the 3.5% down payment, you’ll need a minimum credit score of 580 or higher. (You can qualify for an FHA loan with a credit score as low as 500, although you’ll need to put 10% down.)
- Maximum DTI ratio: The maximum debt-to-income (DTI) ratio — or the sum of your monthly debt payments divided by your monthly pretax income — for an FHA loan is 43%. However, lenders may allow a higher ratio in some cases.
- Mortgage insurance: FHA loans require an upfront FHA mortgage insurance premium of 1.75% of the loan amount, typically financed with the mortgage principal. These loans also require an annual mortgage insurance premium that’s a percentage of the loan amount, spread across your monthly mortgage payments.
- Primary residence occupancy: You must live in the property as your primary home for at least one year.
- Income and employment history: Lenders will verify that you have at least two years of stable employment and recurring income.
- Home appraisal: An FHA appraisal is required to verify the home’s value and confirm it meets FHA property standards.
- Cash reserves: If you have a high DTI ratio or low credit score, you may be required to have mortgage reserves — savings on hand to cover a set number of monthly mortgage payments.
Buying a multifamily property with an FHA loan
With an FHA loan, you can purchase a multifamily home of two to four units with the same down payment and credit score requirements as a single-family property. Borrowers can also use a portion of the expected rental income to qualify for the multifamily loan.
FHA qualifications for multi-unit properties include:
- Minimum down payment: 3.5% (or 10% with a credit score below 580)
- Minimum credit score: 580 with 3.5% down (or 500 with 10% down)
- Occupancy: You must live in one of the units as your primary residence for at least one year.
- Cash reserves: Lenders will require you to have a certain amount of cash reserves on hand.
- Rental income: You can use a portion of the estimated rental income to qualify.
FHA loan limits for multifamily properties in Florida are higher than those for single-family homes, reaching as much as $1,904,150 in Monroe County.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Florida
How Does LendingTree Get Paid?
LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
 | 580 | ||
 | 580 | ||
 | 580 | ||
 | 580 | ||
 | 580 |
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