Loan Limits / Florida / Miami-Dade County
2026 Loan Limits · Florida · MIAMI-FORT LAUDERDALE-WEST PALM BEACH, FL
Miami-Dade County, FL.
2026 conforming and FHA loan limits, calibrated to a median sales price of $580,000.
Median Sales Price
$580,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$667,000
Mid-tier
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $667,000 |
| 2-unit (duplex) | $853,900 |
| 3-unit (triplex) | $1,032,150 |
| 4-unit (fourplex) | $1,282,700 |
About this county
About Miami-Dade County
Miami-Dade County, known simply as Dade County prior to 1997, is a county located in the southeastern part of the U.S. state of Florida. The county had a population of 2,701,767 as of the 2020 census, making it the most populous county in Florida and the seventh-most-populous county in the United States. It is Florida's third largest county by land area with 1,946 square miles (5,040 km2). The county seat is Miami, the core of the nation's sixth-largest and world's 65th-largest metropolitan area with a 2020 population of 6.138 million people, exceeding the population of 31 of the nation's 50 states as of 2022. Read more on Wikipedia →
Population
2,685,296
U.S. Census ACS 2023
Median Household Income
$68,694
U.S. Census ACS 2023
Median Home Value (Census)
$425,400
Owner-occupied · ACS 2023
Owner-Occupancy Rate
52%
Of occupied housing
What these limits mean for buyers in Miami-Dade County
The 2026 conforming 1-unit limit for Miami-Dade County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Miami-Dade County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $667,000. The HUD CHUMS table pegs the median sales price for Miami-Dade County at $580,000. Miami-Dade County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Miami-Dade County ($580,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Miami-Dade County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Miami-Dade County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.