Florida Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 67 counties in Florida. FHA limits in this state range from $541,287 to $643,597, while conforming limits range from $832,750 to $990,150.
2026 Loan Limits by County in Florida
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Alachua County | $541,287 | $832,750 | $288,800 |
| 2 | Baker County | $541,287 | $832,750 | $256,700 |
| 3 | Bay County | $541,287 | $832,750 | $310,500 |
| 4 | Bradford County | $541,287 | $832,750 | $212,500 |
| 5 | Brevard County | $541,287 | $832,750 | $339,600 |
| 6 | Broward County | $541,287 | $832,750 | $414,600 |
| 7 | Calhoun County | $541,287 | $832,750 | $145,300 |
| 8 | Charlotte County | $541,287 | $832,750 | $328,900 |
| 9 | Citrus County | $541,287 | $832,750 | $245,500 |
| 10 | Clay County | $541,287 | $832,750 | $312,500 |
| 11 | Collier County | $541,287 | $832,750 | $540,700 |
| 12 | Columbia County | $541,287 | $832,750 | $194,900 |
| 13 | DeSoto County | $541,287 | $832,750 | $174,100 |
| 14 | Dixie County | $541,287 | $832,750 | $132,000 |
| 15 | Duval County | $541,287 | $832,750 | $303,500 |
| 16 | Escambia County | $541,287 | $832,750 | $257,200 |
| 17 | Flagler County | $541,287 | $832,750 | $364,900 |
| 18 | Franklin County | $541,287 | $832,750 | $273,300 |
| 19 | Gadsden County | $541,287 | $832,750 | $174,900 |
| 20 | Gilchrist County | $541,287 | $832,750 | $199,900 |
| 21 | Glades County | $541,287 | $832,750 | $137,000 |
| 22 | Gulf County | $541,287 | $832,750 | $250,000 |
| 23 | Hamilton County | $541,287 | $832,750 | $111,200 |
| 24 | Hardee County | $541,287 | $832,750 | $153,600 |
| 25 | Hendry County | $541,287 | $832,750 | $219,200 |
| 26 | Hernando County | $541,287 | $832,750 | $276,000 |
| 27 | Highlands County | $541,287 | $832,750 | $187,900 |
| 28 | Hillsborough County | $541,287 | $832,750 | $371,500 |
| 29 | Holmes County | $541,287 | $832,750 | $110,200 |
| 30 | Indian River County | $541,287 | $832,750 | $351,500 |
| 31 | Jackson County | $541,287 | $832,750 | $120,800 |
| 32 | Jefferson County | $541,287 | $832,750 | $232,600 |
| 33 | Lafayette County | $541,287 | $832,750 | $157,200 |
| 34 | Lake County | $541,287 | $832,750 | $318,400 |
| 35 | Lee County | $541,287 | $832,750 | $362,200 |
| 36 | Leon County | $541,287 | $832,750 | $301,800 |
| 37 | Levy County | $541,287 | $832,750 | $190,600 |
| 38 | Liberty County | $541,287 | $832,750 | $127,300 |
| 39 | Madison County | $541,287 | $832,750 | $116,200 |
| 40 | Manatee County | $541,287 | $832,750 | $391,400 |
| 41 | Marion County | $541,287 | $832,750 | $243,100 |
| 42 | Martin County | $541,287 | $832,750 | $432,200 |
| 43 | Miami-Dade County | $541,287 | $832,750 | $463,000 |
| 44 | Monroe County | $643,597 | $990,150 | $780,600 |
| 45 | Nassau County | $541,287 | $832,750 | $382,800 |
| 46 | Okaloosa County | $541,287 | $832,750 | $351,200 |
| 47 | Okeechobee County | $541,287 | $832,750 | $193,000 |
| 48 | Orange County | $541,287 | $832,750 | $390,100 |
| 49 | Osceola County | $541,287 | $832,750 | $353,300 |
| 50 | Palm Beach County | $541,287 | $832,750 | $447,300 |
| 51 | Pasco County | $541,287 | $832,750 | $300,900 |
| 52 | Pinellas County | $541,287 | $832,750 | $355,100 |
| 53 | Polk County | $541,287 | $832,750 | $266,500 |
| 54 | Putnam County | $541,287 | $832,750 | $160,300 |
| 55 | Santa Rosa County | $541,287 | $832,750 | $329,800 |
| 56 | Sarasota County | $541,287 | $832,750 | $411,800 |
| 57 | Seminole County | $541,287 | $832,750 | $386,900 |
| 58 | St. Johns County | $541,287 | $832,750 | $489,200 |
| 59 | St. Lucie County | $541,287 | $832,750 | $347,300 |
| 60 | Sumter County | $541,287 | $832,750 | $385,400 |
| 61 | Suwannee County | $541,287 | $832,750 | $171,600 |
| 62 | Taylor County | $541,287 | $832,750 | $114,600 |
| 63 | Union County | $541,287 | $832,750 | $169,500 |
| 64 | Volusia County | $541,287 | $832,750 | $313,000 |
| 65 | Wakulla County | $541,287 | $832,750 | $258,300 |
| 66 | Walton County | $541,287 | $832,750 | $425,100 |
| 67 | Washington County | $541,287 | $832,750 | $171,000 |
About Florida's Mortgage Market
Florida has 67 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Florida range from $541,287 to $643,597 for a single-family home. Conforming limits range from $832,750 to $990,150.
Use our mortgage calculator to compute monthly payments using Florida-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Florida?
The highest 2026 FHA limit in Florida is $643,597 for a single-family home.
What is the maximum conforming loan limit in Florida?
The highest 2026 conforming loan limit in Florida is $990,150 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Florida?
Florida has 67 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.