Loan Limits / Florida / Palm Beach County
2026 Loan Limits · Florida · MIAMI-FORT LAUDERDALE-WEST PALM BEACH, FL
Palm Beach 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 Palm Beach County
Palm Beach County is a county in the southeastern part of Florida, located in the Miami metropolitan area. It is Florida's third-most populous county after Miami-Dade County and Broward County and the 24th-most populous in the United States, with 1,492,191 residents as of the 2020 census. Its county seat and largest city is West Palm Beach, which had a population of 117,415 as of 2020. Named after one of its oldest settlements, Palm Beach, the county was established in 1909, after being split from Miami-Dade County. The county's modern-day boundaries were established in 1963. Read more on Wikipedia →
Population
1,507,453
U.S. Census ACS 2023
Median Household Income
$81,115
U.S. Census ACS 2023
Median Home Value (Census)
$407,300
Owner-occupied · ACS 2023
Owner-Occupancy Rate
70%
Of occupied housing
What these limits mean for buyers in Palm Beach County
The 2026 conforming 1-unit limit for Palm Beach 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. Palm Beach 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 Palm Beach County at $580,000. Palm Beach 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 Palm Beach 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
Palm Beach 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 Palm Beach County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.