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2025 FHA Loan Limits in Florida

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With flexible borrower qualifications and low down payment minimums, loans backed by the Federal Housing Administration (FHA) can help make home ownership more affordable for Florida’s homebuyers.

FHA loans are subject to maximum loan amounts. In 2025, FHA loan limits for single-family homes in Florida range from $524,225 in most counties to a high of $967,150 in Monroe County. Explore FHA loan limits in Florida and learn more about how to qualify for an FHA mortgage.

Florida FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
ALACHUA	$524,225	$671,200	$811,275	$1,008,300	$303,000
BAKER	$580,750	$743,450	$898,700	$1,116,850	$505,000
BAY	$524,225	$671,200	$811,275	$1,008,300	$329,000
BRADFORD	$524,225	$671,200	$811,275	$1,008,300	$150,000
BREVARD	$524,225	$671,200	$811,275	$1,008,300	$340,000
BROWARD	$654,350	$837,700	$1,012,550	$1,258,400	$569,000
CALHOUN	$524,225	$671,200	$811,275	$1,008,300	$110,000
CHARLOTTE	$524,225	$671,200	$811,275	$1,008,300	$325,000
CITRUS	$524,225	$671,200	$811,275	$1,008,300	$237,000
CLAY	$580,750	$743,450	$898,700	$1,116,850	$505,000
COLLIER	$764,750	$979,000	$1,183,400	$1,470,700	$665,000
COLUMBIA	$524,225	$671,200	$811,275	$1,008,300	$178,000
DESOTO	$524,225	$671,200	$811,275	$1,008,300	$215,000
DIXIE	$524,225	$671,200	$811,275	$1,008,300	$92,000
DUVAL	$580,750	$743,450	$898,700	$1,116,850	$505,000
ESCAMBIA	$524,225	$671,200	$811,275	$1,008,300	$322,000
FLAGLER	$524,225	$671,200	$811,275	$1,008,300	$348,000
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300	$219,000
GADSDEN	$524,225	$671,200	$811,275	$1,008,300	$269,000
GILCHRIST	$524,225	$671,200	$811,275	$1,008,300	$303,000
GLADES	$524,225	$671,200	$811,275	$1,008,300	$167,000
GULF	$524,225	$671,200	$811,275	$1,008,300	$295,000
HAMILTON	$524,225	$671,200	$811,275	$1,008,300	$87,000
HARDEE	$524,225	$671,200	$811,275	$1,008,300	$155,000
HENDRY	$524,225	$671,200	$811,275	$1,008,300	$230,000
HERNANDO	$524,225	$671,200	$811,275	$1,008,300	$415,000
HIGHLANDS	$524,225	$671,200	$811,275	$1,008,300	$219,000
HILLSBOROUGH	$524,225	$671,200	$811,275	$1,008,300	$415,000
HOLMES	$524,225	$671,200	$811,275	$1,008,300	$105,000
INDIAN RIVER	$524,225	$671,200	$811,275	$1,008,300	$375,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$130,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$269,000
LAFAYETTE	$524,225	$671,200	$811,275	$1,008,300	$86,000
LAKE	$524,225	$671,200	$811,275	$1,008,300	$450,000
LEE	$524,225	$671,200	$811,275	$1,008,300	$370,000
LEON	$524,225	$671,200	$811,275	$1,008,300	$269,000
LEVY	$524,225	$671,200	$811,275	$1,008,300	$303,000
LIBERTY	$524,225	$671,200	$811,275	$1,008,300	$95,000
MADISON	$524,225	$671,200	$811,275	$1,008,300	$84,000
MANATEE	$547,400	$700,750	$847,050	$1,052,700	$466,000
MARION	$524,225	$671,200	$811,275	$1,008,300	$268,000
MARTIN	$596,850	$764,050	$923,600	$1,147,800	$519,000
MIAMI-DADE	$654,350	$837,700	$1,012,550	$1,258,400	$569,000
MONROE	$967,150	$1,238,150	$1,496,600	$1,859,950	$841,000
NASSAU	$580,750	$743,450	$898,700	$1,116,850	$505,000
OKALOOSA	$603,750	$772,900	$934,250	$1,161,050	$500,000
OKEECHOBEE	$524,225	$671,200	$811,275	$1,008,300	$161,000
ORANGE	$524,225	$671,200	$811,275	$1,008,300	$450,000
OSCEOLA	$524,225	$671,200	$811,275	$1,008,300	$450,000
PALM BEACH	$654,350	$837,700	$1,012,550	$1,258,400	$569,000
PASCO	$524,225	$671,200	$811,275	$1,008,300	$415,000
PINELLAS	$524,225	$671,200	$811,275	$1,008,300	$415,000
POLK	$524,225	$671,200	$811,275	$1,008,300	$312,000
PUTNAM	$524,225	$671,200	$811,275	$1,008,300	$115,000
SANTA ROSA	$524,225	$671,200	$811,275	$1,008,300	$322,000
SARASOTA	$547,400	$700,750	$847,050	$1,052,700	$466,000
SEMINOLE	$524,225	$671,200	$811,275	$1,008,300	$450,000
ST. JOHNS	$580,750	$743,450	$898,700	$1,116,850	$505,000
ST. LUCIE	$596,850	$764,050	$923,600	$1,147,800	$519,000
SUMTER	$524,225	$671,200	$811,275	$1,008,300	$370,000
SUWANNEE	$524,225	$671,200	$811,275	$1,008,300	$125,000
TAYLOR	$524,225	$671,200	$811,275	$1,008,300	$125,000
UNION	$524,225	$671,200	$811,275	$1,008,300	$166,000
VOLUSIA	$524,225	$671,200	$811,275	$1,008,300	$348,000
WAKULLA	$524,225	$671,200	$811,275	$1,008,300	$269,000
WALTON	$603,750	$772,900	$934,250	$1,161,050	$500,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$170,000

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 set for conventional loans, or non-government-backed mortgages. These limits are determined based on home sales prices; when median home prices rise, FHA loan limits increase, too.

FHA loan limits have three cost categories:

Low-cost floor: This is the basic FHA loan limit applicable in most areas of the U.S. In 2025, the FHA “floor” is $524,225 for a one-unit home.
High-cost ceiling: This reflects the highest FHA loan limit in effect in more expensive metro areas throughout the country. In 2025, the “ceiling” is $1,209,750 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 — $1,814,625 for a one-unit home in 2025.

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 500 to 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 more. (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, 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. They 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 you have at least two years of stable employment and recurring income.
Home appraisal: An FHA appraisal verifies the home’s value and confirms it meets FHA property standards.

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 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 single-family homes, reaching as much as $1,859,950 in Monroe County.