Loan Limits / Florida / Volusia County
2026 Loan Limits · Florida · DELTONA-DAYTONA BEACH-ORMOND BEACH, FL
Volusia County, FL.
2026 conforming and FHA loan limits, calibrated to a median sales price of $351,000.
Median Sales Price
$351,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
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)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Volusia County
Volusia County is a county located in the east-central part of the U.S. state of Florida between the St. Johns River and the Atlantic Ocean. As of the 2020 census, the county was home to 553,543 people, an increase of 11.9% from the 2010 census. It was founded on December 29, 1854, from a portion of Orange County, and was named for the community of Volusia, located in northwestern Volusia County. The original county seat was Enterprise. Since 1887, the county seat has been DeLand. Volusia County is part of the Deltona–Daytona Beach–Ormond Beach metropolitan statistical area, as well as part of the larger Orlando–Deltona–Daytona Beach Combined statistical area. Read more on Wikipedia →
Population
568,229
U.S. Census ACS 2023
Median Household Income
$66,581
U.S. Census ACS 2023
Median Home Value (Census)
$278,000
Owner-occupied · ACS 2023
Owner-Occupancy Rate
73%
Of occupied housing
What these limits mean for buyers in Volusia County
The 2026 conforming 1-unit limit for Volusia 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. Volusia County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Volusia County at $351,000. This matches the FHA national floor — Volusia County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Volusia County ($351,000) 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
Volusia 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 Volusia County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.