Okaloosa County, Florida loan limits 2026
FIPS 12091 · 17 ZIP codes, e.g. 32531, 32536, 32537, 32539, 32540, 32541 · metro area (CBSA) 18880
In Okaloosa County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $603,750. 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 Okaloosa 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 | $603,750 | +3.3% |
| 2 units | $1,066,250 | $772,900 | +3.3% |
| 3 units | $1,288,800 | $934,250 | +3.3% |
| 4 units | $1,601,750 | $1,161,050 | +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. Okaloosa County is in metro area CBSA 18880; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $106,700 · Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $59,750 | $68,300 | $76,850 | $85,350 | $92,200 | $99,050 | $105,850 | $112,700 |
| Very low income (50%) | $37,350 | $42,700 | $48,050 | $53,350 | $57,650 | $61,900 | $66,200 | $70,450 |
| Extremely low income (30%) | $22,400 | $25,600 | $28,800 | $33,000 | $38,680 | $44,360 | $50,040 | $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 | $1,421/mo | $1,362 | +4.3% |
| 1 bedroom | $1,706/mo | $1,581 | +7.9% |
| 2 bedrooms | $1,908/mo | $1,785 | +6.9% |
| 3 bedrooms | $2,616/mo | $2,448 | +6.9% |
| 4 bedrooms | $3,189/mo | $2,979 | +7% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area.
Same metro area
Counties in CBSA 18880 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 Okaloosa 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 Okaloosa County?
$603,750 for a single-family home in 2026 (HUD), up to $1,161,050 for a four-unit property.
What counts as a jumbo loan in Okaloosa County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Okaloosa County in 2026.
What are the HUD income limits in Okaloosa County?
For a family of four (FY2026): low income $85,350, very low income $53,350, extremely low income $33,000; area median family income $106,700.
What is the fair market rent in Okaloosa County?
$1,908 a month for a two-bedroom unit in FY2027 (HUD), $1,706 for one bedroom.