Loan Limits / Puerto Rico / Florida County
2026 Loan Limits · Puerto Rico · SAN JUAN-BAYAMON-CAGUAS, PR
Florida County, PR.
2026 conforming and FHA loan limits, calibrated to a median sales price of $260,000.
Median Sales Price
$260,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$690,000
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) | $690,000 |
| 2-unit (duplex) | $883,300 |
| 3-unit (triplex) | $1,067,750 |
| 4-unit (fourplex) | $1,326,950 |
About this county
About Florida County
Florida is a town and municipality of Puerto Rico located in the karst region north of Ciales, south of Barceloneta, east of Arecibo, and west of Manatí. Florida is not like other municipalities of Puerto Rico with multiple subdivisions called barrios. It has one barrio called Florida Adentro and two other subdivisions: Florida Zona Urbana and Pajonal comunidad. It is part of the San Juan-Caguas-Guaynabo Metropolitan Statistical Area. Read more on Wikipedia →
Population
11,624
U.S. Census ACS 2023
Median Household Income
$21,213
U.S. Census ACS 2023
Median Home Value (Census)
$104,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
70%
Of occupied housing
What these limits mean for buyers in Florida County
The 2026 conforming 1-unit limit for Florida 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. Florida County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $690,000. The HUD CHUMS table pegs the median sales price for Florida County at $260,000. Florida 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 Florida County ($260,000) 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
Florida 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 Florida County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.