Florida Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 67 Florida counties. 16 counties are high-cost areas with FHA limits above the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
Florida counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Alachua County | $541,287 | $832,750 | Floor |
| Baker County | $580,750 | $832,750 | High-cost |
| Bay County | $541,287 | $832,750 | Floor |
| Bradford County | $541,287 | $832,750 | Floor |
| Brevard County | $541,287 | $832,750 | Floor |
| Broward County | $667,000 | $832,750 | High-cost |
| Calhoun County | $541,287 | $832,750 | Floor |
| Charlotte County | $541,287 | $832,750 | Floor |
| Citrus County | $541,287 | $832,750 | Floor |
| Clay County | $580,750 | $832,750 | High-cost |
| Collier County | $764,750 | $832,750 | High-cost |
| Columbia County | $541,287 | $832,750 | Floor |
| DeSoto County | $541,287 | $832,750 | Floor |
| Dixie County | $541,287 | $832,750 | Floor |
| Duval County | $580,750 | $832,750 | High-cost |
| Escambia County | $541,287 | $832,750 | Floor |
| Flagler County | $541,287 | $832,750 | Floor |
| Franklin County | $541,287 | $832,750 | Floor |
| Gadsden County | $541,287 | $832,750 | Floor |
| Gilchrist County | $541,287 | $832,750 | Floor |
| Glades County | $541,287 | $832,750 | Floor |
| Gulf County | $541,287 | $832,750 | Floor |
| Hamilton County | $541,287 | $832,750 | Floor |
| Hardee County | $541,287 | $832,750 | Floor |
| Hendry County | $541,287 | $832,750 | Floor |
| Hernando County | $541,287 | $832,750 | Floor |
| Highlands County | $541,287 | $832,750 | Floor |
| Hillsborough County | $541,287 | $832,750 | Floor |
| Holmes County | $541,287 | $832,750 | Floor |
| Indian River County | $541,287 | $832,750 | Floor |
| Jackson County | $541,287 | $832,750 | Floor |
| Jefferson County | $541,287 | $832,750 | Floor |
| Lafayette County | $541,287 | $832,750 | Floor |
| Lake County | $541,287 | $832,750 | Floor |
| Lee County | $541,287 | $832,750 | Floor |
| Leon County | $541,287 | $832,750 | Floor |
| Levy County | $541,287 | $832,750 | Floor |
| Liberty County | $541,287 | $832,750 | Floor |
| Madison County | $541,287 | $832,750 | Floor |
| Manatee County | $547,400 | $832,750 | High-cost |
| Marion County | $541,287 | $832,750 | Floor |
| Martin County | $603,750 | $832,750 | High-cost |
| Miami-Dade County | $667,000 | $832,750 | High-cost |
| Monroe County | $990,150 | $990,150 | High-cost |
| Nassau County | $580,750 | $832,750 | High-cost |
| Okaloosa County | $603,750 | $832,750 | High-cost |
| Okeechobee County | $541,287 | $832,750 | Floor |
| Orange County | $541,287 | $832,750 | Floor |
| Osceola County | $541,287 | $832,750 | Floor |
| Palm Beach County | $667,000 | $832,750 | High-cost |
| Pasco County | $541,287 | $832,750 | Floor |
| Pinellas County | $541,287 | $832,750 | Floor |
| Polk County | $541,287 | $832,750 | Floor |
| Putnam County | $541,287 | $832,750 | Floor |
| Santa Rosa County | $541,287 | $832,750 | Floor |
| Sarasota County | $547,400 | $832,750 | High-cost |
| Seminole County | $541,287 | $832,750 | Floor |
| St. Johns County | $580,750 | $832,750 | High-cost |
| St. Lucie County | $603,750 | $832,750 | High-cost |
| Sumter County | $541,287 | $832,750 | Floor |
| Suwannee County | $541,287 | $832,750 | Floor |
| Taylor County | $541,287 | $832,750 | Floor |
| Union County | $541,287 | $832,750 | Floor |
| Volusia County | $541,287 | $832,750 | Floor |
| Wakulla County | $541,287 | $832,750 | Floor |
| Walton County | $603,750 | $832,750 | High-cost |
| Washington County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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