Loan Limits / Florida
2026 Loan Limits · FL
Florida loan limits.
All 67 counties in Florida with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
67 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Alachua | $315,000 | $832,750 | Standard | $541,287 | Standard |
| Baker | $486,000 | $832,750 | Standard | $580,750 | High-cost |
| Bay | $330,000 | $832,750 | Standard | $541,287 | Standard |
| Bradford | $210,000 | $832,750 | Standard | $541,287 | Standard |
| Brevard | $349,000 | $832,750 | Standard | $541,287 | Standard |
| Broward | $580,000 | $832,750 | Standard | $667,000 | High-cost |
| Calhoun | $92,000 | $832,750 | Standard | $541,287 | Standard |
| Charlotte | $315,000 | $832,750 | Standard | $541,287 | Standard |
| Citrus | $247,000 | $832,750 | Standard | $541,287 | Standard |
| Clay | $486,000 | $832,750 | Standard | $580,750 | High-cost |
| Collier | $650,000 | $832,750 | Standard | $764,750 | High-cost |
| Columbia | $180,000 | $832,750 | Standard | $541,287 | Standard |
| Desoto | $230,000 | $832,750 | Standard | $541,287 | Standard |
| Dixie | $109,000 | $832,750 | Standard | $541,287 | Standard |
| Duval | $486,000 | $832,750 | Standard | $580,750 | High-cost |
| Escambia | $330,000 | $832,750 | Standard | $541,287 | Standard |
| Flagler | $351,000 | $832,750 | Standard | $541,287 | Standard |
| Franklin | $230,000 | $832,750 | Standard | $541,287 | Standard |
| Gadsden | $277,000 | $832,750 | Standard | $541,287 | Standard |
| Gilchrist | $315,000 | $832,750 | Standard | $541,287 | Standard |
| Glades | $245,000 | $832,750 | Standard | $541,287 | Standard |
| Gulf | $335,000 | $832,750 | Standard | $541,287 | Standard |
| Hamilton | $110,000 | $832,750 | Standard | $541,287 | Standard |
| Hardee | $175,000 | $832,750 | Standard | $541,287 | Standard |
| Hendry | $245,000 | $832,750 | Standard | $541,287 | Standard |
| Hernando | $400,000 | $832,750 | Standard | $541,287 | Standard |
| Highlands | $225,000 | $832,750 | Standard | $541,287 | Standard |
| Hillsborough | $400,000 | $832,750 | Standard | $541,287 | Standard |
| Holmes | $130,000 | $832,750 | Standard | $541,287 | Standard |
| Indian River | $384,000 | $832,750 | Standard | $541,287 | Standard |
| Jackson | $130,000 | $832,750 | Standard | $541,287 | Standard |
| Jefferson | $277,000 | $832,750 | Standard | $541,287 | Standard |
| Lafayette | $119,000 | $832,750 | Standard | $541,287 | Standard |
| Lake | $453,000 | $832,750 | Standard | $541,287 | Standard |
| Lee | $364,000 | $832,750 | Standard | $541,287 | Standard |
| Leon | $277,000 | $832,750 | Standard | $541,287 | Standard |
| Levy | $315,000 | $832,750 | Standard | $541,287 | Standard |
| Liberty | $85,000 | $832,750 | Standard | $541,287 | Standard |
| Madison | $90,000 | $832,750 | Standard | $541,287 | Standard |
| Manatee | $433,000 | $832,750 | Standard | $547,400 | High-cost |
| Marion | $270,000 | $832,750 | Standard | $541,287 | Standard |
| Martin | $525,000 | $832,750 | Standard | $603,750 | High-cost |
| Miami-Dade | $580,000 | $832,750 | Standard | $667,000 | High-cost |
| Monroe | $861,000 | $990,150 | High-cost | $990,150 | High-cost |
| Nassau | $486,000 | $832,750 | Standard | $580,750 | High-cost |
| Okaloosa | $505,000 | $832,750 | Standard | $603,750 | High-cost |
| Okeechobee | $165,000 | $832,750 | Standard | $541,287 | Standard |
| Orange | $453,000 | $832,750 | Standard | $541,287 | Standard |
| Osceola | $453,000 | $832,750 | Standard | $541,287 | Standard |
| Palm Beach | $580,000 | $832,750 | Standard | $667,000 | High-cost |
| Pasco | $400,000 | $832,750 | Standard | $541,287 | Standard |
| Pinellas | $400,000 | $832,750 | Standard | $541,287 | Standard |
| Polk | $304,000 | $832,750 | Standard | $541,287 | Standard |
| Putnam | $134,000 | $832,750 | Standard | $541,287 | Standard |
| Santa Rosa | $330,000 | $832,750 | Standard | $541,287 | Standard |
| Sarasota | $433,000 | $832,750 | Standard | $547,400 | High-cost |
| Seminole | $453,000 | $832,750 | Standard | $541,287 | Standard |
| St. Johns | $486,000 | $832,750 | Standard | $580,750 | High-cost |
| St. Lucie | $525,000 | $832,750 | Standard | $603,750 | High-cost |
| Sumter | $380,000 | $832,750 | Standard | $541,287 | Standard |
| Suwannee | $145,000 | $832,750 | Standard | $541,287 | Standard |
| Taylor | $129,000 | $832,750 | Standard | $541,287 | Standard |
| Union | $181,000 | $832,750 | Standard | $541,287 | Standard |
| Volusia | $351,000 | $832,750 | Standard | $541,287 | Standard |
| Wakulla | $277,000 | $832,750 | Standard | $541,287 | Standard |
| Walton | $505,000 | $832,750 | Standard | $603,750 | High-cost |
| Washington | $330,000 | $832,750 | Standard | $541,287 | Standard |
Florida at a glance
67 counties indexed. 16 are designated high-cost by HUD or FHFA. The highest GSE 1-unit limit in Florida is $990,150 in Monroe County.
Loan amount above the conforming limit for your county? You're in jumbo territory. Below the FHA ceiling? FHA financing is on the table. We can run the numbers for any property in Florida.