Miami-Dade County, Florida loan limits 2026
FIPS 12086 · 124 ZIP codes, e.g. 33002, 33010, 33011, 33012, 33013, 33014 · metro area (CBSA) 33100
In Miami-Dade County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $667,000. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Miami-Dade County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $667,000 | +3.3% |
| 2 units | $1,066,250 | $853,900 | +3.3% |
| 3 units | $1,288,800 | $1,032,150 | +3.3% |
| 4 units | $1,601,750 | $1,282,700 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Miami-Dade County is in metro area CBSA 33100; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $89,800 · Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $76,300 | $87,200 | $98,100 | $109,000 | $117,750 | $126,450 | $135,150 | $143,900 |
| Very low income (50%) | $47,700 | $54,500 | $61,300 | $68,100 | $73,550 | $79,000 | $84,450 | $89,900 |
| Extremely low income (30%) | $28,600 | $32,700 | $36,800 | $40,850 | $44,150 | $47,400 | $50,700 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,953/mo | $1,828 | +6.8% |
| 1 bedroom | $2,121/mo | $1,995 | +6.3% |
| 2 bedrooms | $2,564/mo | $2,436 | +5.3% |
| 3 bedrooms | $3,277/mo | $3,127 | +4.8% |
| 4 bedrooms | $3,749/mo | $3,613 | +3.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Miami-Miami Beach-Kendall, FL HUD Metro FMR Area.
Same metro area
Counties in CBSA 33100 share the same loan limits.
Other counties in Florida
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Miami-Dade County, FL for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Miami-Dade County?
$667,000 for a single-family home in 2026 (HUD), up to $1,282,700 for a four-unit property.
What counts as a jumbo loan in Miami-Dade County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Miami-Dade County in 2026.
What are the HUD income limits in Miami-Dade County?
For a family of four (FY2026): low income $109,000, very low income $68,100, extremely low income $40,850; area median family income $89,800.
What is the fair market rent in Miami-Dade County?
$2,564 a month for a two-bedroom unit in FY2027 (HUD), $2,121 for one bedroom.