Monroe County, Florida loan limits 2026
FIPS 12087 · 12 ZIP codes, e.g. 33001, 33036, 33037, 33040, 33041, 33042 · metro area (CBSA) 28580
In Monroe County the 2026 conforming loan limit is $990,150 for a single-family home — a high-cost area, 18.9% above the national baseline. The FHA limit is $990,150. Anything above $990,150 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 Monroe 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) | $990,150 | $990,150 | +2.4% |
| 2 units | $1,267,600 | $1,267,600 | +2.4% |
| 3 units | $1,532,200 | $1,532,200 | +2.4% |
| 4 units | $1,904,150 | $1,904,150 | +2.4% |
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. Monroe County is in metro area CBSA 28580; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $129,600 · Monroe County, FL
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $80,300 | $91,700 | $103,200 | $114,650 | $123,850 | $133,000 | $142,200 | $151,350 |
| Very low income (50%) | $50,200 | $57,300 | $64,500 | $71,650 | $77,350 | $83,100 | $88,850 | $94,600 |
| Extremely low income (30%) | $30,100 | $34,400 | $38,700 | $43,000 | $46,450 | $49,900 | $53,350 | $56,800 |
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 | $1,554/mo | $1,726 | -10% |
| 1 bedroom | $1,990/mo | $2,211 | -10% |
| 2 bedrooms | $2,254/mo | $2,504 | -10% |
| 3 bedrooms | $2,973/mo | $3,303 | -10% |
| 4 bedrooms | $2,984/mo | $3,315 | -10% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Monroe County, FL.
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 Monroe County, FL for 2026?
$990,150 for a one-unit property ($1,267,600 for 2 units, $1,532,200 for 3, $1,904,150 for 4), set by the FHFA; it was $967,150 in 2025.
What is the FHA loan limit in Monroe County?
$990,150 for a single-family home in 2026 (HUD), up to $1,904,150 for a four-unit property.
What counts as a jumbo loan in Monroe County?
A mortgage above $990,150 for a single-family home is a jumbo (non-conforming) loan in Monroe County in 2026.
What are the HUD income limits in Monroe County?
For a family of four (FY2026): low income $114,650, very low income $71,650, extremely low income $43,000; area median family income $129,600.
What is the fair market rent in Monroe County?
$2,254 a month for a two-bedroom unit in FY2027 (HUD), $1,990 for one bedroom.