2026 Florida loan limits — every county.
Conforming, FHA, and VA limits for all 67 Florida counties. Sourced from FHFA and HUD's 2026 release.
Baseline
$847,440
66 of 67 FL counties — 1-unit conforming
High-cost
$990,150
Monroe County (the Keys)
VA entitlement
No cap*
Full entitlement — borrow above county limit
Counties with elevated limits (2026)
Florida counties where either conforming or FHA exceeds the national floor. Monroe is the only high-cost conforming county in FL; the rest show elevated FHA limits driven by local median sale prices.
| County | Conforming | FHA | Detail | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 1U | 2U | 3U | 4U | 1U | 2U | 3U | 4U | ||
| Baker | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $580,750 | $743,450 | $898,700 | $1,116,850 | — |
| Broward | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $667,000 | $853,900 | $1,032,150 | $1,282,700 | View |
| Clay | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $580,750 | $743,450 | $898,700 | $1,116,850 | — |
| Collier | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $764,750 | $979,000 | $1,183,400 | $1,470,700 | — |
| Duval | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $580,750 | $743,450 | $898,700 | $1,116,850 | — |
| Manatee | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $547,400 | $700,750 | $847,050 | $1,052,700 | — |
| Martin | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $603,750 | $772,900 | $934,250 | $1,161,050 | — |
| Miami-Dade | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $667,000 | $853,900 | $1,032,150 | $1,282,700 | View |
| Monroe | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 | View |
| Nassau | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $580,750 | $743,450 | $898,700 | $1,116,850 | — |
| Okaloosa | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $603,750 | $772,900 | $934,250 | $1,161,050 | — |
| Palm Beach | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $667,000 | $853,900 | $1,032,150 | $1,282,700 | View |
| Sarasota | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $547,400 | $700,750 | $847,050 | $1,052,700 | — |
| St. Johns | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $580,750 | $743,450 | $898,700 | $1,116,850 | — |
| St. Lucie | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $603,750 | $772,900 | $934,250 | $1,161,050 | — |
| Walton | $847,440 | $1,066,250 | $1,288,800 | $1,601,750 | $603,750 | $772,900 | $934,250 | $1,161,050 | — |
All 67 Florida counties (alphabetical)
2026 single-family (1-unit) limits. Conforming = FHFA. FHA = HUD. Multi-unit limits scale at the same ratio as the 1-unit; see the elevated-counties table above for full multi-unit detail.
| County | Conforming (1U) | FHA (1U) | Detail |
|---|---|---|---|
| Alachua | $847,440 | $541,287 | — |
| Baker | $847,440 | $580,750 | — |
| Bay | $847,440 | $541,287 | — |
| Bradford | $847,440 | $541,287 | — |
| Brevard | $847,440 | $541,287 | — |
| Broward | $847,440 | $667,000 | View |
| Calhoun | $847,440 | $541,287 | — |
| Charlotte | $847,440 | $541,287 | — |
| Citrus | $847,440 | $541,287 | — |
| Clay | $847,440 | $580,750 | — |
| Collier | $847,440 | $764,750 | — |
| Columbia | $847,440 | $541,287 | — |
| DeSoto | $847,440 | $541,287 | — |
| Dixie | $847,440 | $541,287 | — |
| Duval | $847,440 | $580,750 | — |
| Escambia | $847,440 | $541,287 | — |
| Flagler | $847,440 | $541,287 | — |
| Franklin | $847,440 | $541,287 | — |
| Gadsden | $847,440 | $541,287 | — |
| Gilchrist | $847,440 | $541,287 | — |
| Glades | $847,440 | $541,287 | — |
| Gulf | $847,440 | $541,287 | — |
| Hamilton | $847,440 | $541,287 | — |
| Hardee | $847,440 | $541,287 | — |
| Hendry | $847,440 | $541,287 | — |
| Hernando | $847,440 | $541,287 | — |
| Highlands | $847,440 | $541,287 | — |
| Hillsborough | $847,440 | $541,287 | — |
| Holmes | $847,440 | $541,287 | — |
| Indian River | $847,440 | $541,287 | — |
| Jackson | $847,440 | $541,287 | — |
| Jefferson | $847,440 | $541,287 | — |
| Lafayette | $847,440 | $541,287 | — |
| Lake | $847,440 | $541,287 | — |
| Lee | $847,440 | $541,287 | — |
| Leon | $847,440 | $541,287 | — |
| Levy | $847,440 | $541,287 | — |
| Liberty | $847,440 | $541,287 | — |
| Madison | $847,440 | $541,287 | — |
| Manatee | $847,440 | $547,400 | — |
| Marion | $847,440 | $541,287 | — |
| Martin | $847,440 | $603,750 | — |
| Miami-Dade | $847,440 | $667,000 | View |
| Monroe | $990,150 | $990,150 | View |
| Nassau | $847,440 | $580,750 | — |
| Okaloosa | $847,440 | $603,750 | — |
| Okeechobee | $847,440 | $541,287 | — |
| Orange | $847,440 | $541,287 | View |
| Osceola | $847,440 | $541,287 | — |
| Palm Beach | $847,440 | $667,000 | View |
| Pasco | $847,440 | $541,287 | — |
| Pinellas | $847,440 | $541,287 | — |
| Polk | $847,440 | $541,287 | — |
| Putnam | $847,440 | $541,287 | — |
| Santa Rosa | $847,440 | $541,287 | — |
| Sarasota | $847,440 | $547,400 | — |
| Seminole | $847,440 | $541,287 | — |
| St. Johns | $847,440 | $580,750 | — |
| St. Lucie | $847,440 | $603,750 | — |
| Sumter | $847,440 | $541,287 | — |
| Suwannee | $847,440 | $541,287 | — |
| Taylor | $847,440 | $541,287 | — |
| Union | $847,440 | $541,287 | — |
| Volusia | $847,440 | $541,287 | — |
| Wakulla | $847,440 | $541,287 | — |
| Walton | $847,440 | $603,750 | — |
| Washington | $847,440 | $541,287 | — |
*VA: veterans with full entitlement have no hard loan limit. Veterans with partial entitlement use the county conforming amount above. Source: FHFA County Loan Limit file (Nov 25, 2025) and HUD FHA Mortgage Limits (Dec 2025).
Florida loan-limit FAQs
What is the 2026 baseline conforming loan limit in Florida?+
For every Florida county except Monroe, the 2026 one-unit conforming (Fannie Mae / Freddie Mac) loan limit is $847,440 — a 3.26% increase from 2025. Monroe County (the Keys) is the only high-cost county in FL at $990,150.
Which Florida counties are high-cost in 2026?+
Monroe County (Key West, Marathon, Key Largo) is Florida's only high-cost county at $990,150 for a single-family conforming loan. Every other FL county uses the $847,440 national baseline.
Are FHA loan limits the same as conforming in Florida?+
No — FHA and conforming are calculated separately. FHA's 2026 floor is $541,287 and ceiling is $1,249,125. Miami-Dade/Broward/Palm Beach sit at $645,000, Naples (Collier) at $730,500, Sarasota/Manatee at $711,400, Jacksonville MSA at $604,900, Tampa MSA at $568,100, and most rural FL counties at the $541,287 floor. Always check both columns above.
What is the 2026 FHA loan limit in Miami-Dade, Broward, and Palm Beach?+
All three South Florida counties share the Miami-Fort Lauderdale-WPB MSA FHA limit of $645,000 for a 1-unit home in 2026.
Is there a VA loan limit in Florida?+
Veterans with full VA entitlement have no hard loan limit anywhere in Florida — you can borrow above the county conforming amount with zero down. Veterans with partial entitlement use the county conforming limit above.
When do I need a jumbo loan in Florida?+
Any loan above your county's conforming limit is jumbo. In most FL counties that's anything over $847,440. In Monroe County, jumbo doesn't start until $990,150.
How often do these limits change?+
FHFA announces new conforming limits every November, effective January 1. HUD publishes FHA limits in early December with the same effective date.
Not sure which limit applies to your purchase?
Send us the address and we'll confirm conforming, high-balance, FHA, VA, or jumbo pricing same-day.