Mortgage Guide: Miami-Dade County, Florida
In Miami-Dade County, Florida, the 2026 FHA loan limit for a single-family home is $541,287, and the conforming loan limit is $832,750. The median home value in this county is $463,000, and median household income is $71,753.
📋 2026 Loan Limits by Property Type
FHA and Conforming limits for 1-4 unit properties in Miami-Dade County
| Property Type | FHA Limit | Conforming Limit |
|---|---|---|
| 1-Unit | $541,287 | $832,750 |
| 2-Unit | $693,062 | $1,066,250 |
| 3-Unit | $838,994 | $1,288,800 |
| 4-Unit | $1,041,137 | $1,601,750 |
Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026.
💰 Monthly Payment Estimate (Median-Priced Home)
Based on current 30-year fixed rate of 7.40% and a home price of $463,000
| Loan Type | Down Payment | Est. Monthly P&I |
|---|---|---|
| FHA | 3.5% ($16,205) | $3,093/mo |
| Conventional (10%) | 10% ($46,300) | $2,885/mo |
| Conventional (20%) | 20% ($92,600) | $2,564/mo |
Estimates include principal and interest only. Property tax, insurance, and mortgage insurance (MIP/PMI) not included. Use our full calculator →
📍 Researching This Market?
See the median home value, 8-year price trend, rent, and price-to-rent ratio for Miami-Dade County before you buy.
View Market Data for Miami-Dade County →How Miami-Dade County Compares
| Metric | Miami-Dade County | U.S. Baseline |
|---|---|---|
| FHA Limit (1-unit) | $541,287 | $524,225 |
| Conforming Limit (1-unit) | $832,750 | $832,750 |
| Median Home Value | $463,000 | $355,000 (est.) |
| Median Household Income | $71,753 | $75,000 (est.) |
Frequently Asked Questions
What is the FHA loan limit in Miami-Dade County?
The 2026 FHA limit for a single-family home in Miami-Dade County is $541,287. This is above the national floor of $524,225.
What is the conforming loan limit in Miami-Dade County?
The 2026 conforming loan limit is $832,750 for a single-family home. Loans above this amount are considered "jumbo" and typically require stricter credit and larger down payments.
Can I use a VA or USDA loan in Miami-Dade County?
VA loans have no county limit for eligible veterans with full entitlement. USDA loans are available in eligible rural areas—check the USDA's eligibility map to confirm Miami-Dade County qualifies.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. All data is public domain. This page is for informational purposes and does not constitute financial advice.