Palm Beach County, Florida loan limits 2026
FIPS 12099 · 73 ZIP codes, e.g. 33401, 33402, 33403, 33404, 33405, 33406 · metro area (CBSA) 33100
In Palm Beach 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 Palm Beach 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. Palm Beach County is in metro area CBSA 33100; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $107,600 · West Palm Beach-Boca Raton, FL HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $71,950 | $82,250 | $92,550 | $102,800 | $111,050 | $119,250 | $127,500 | $135,700 |
| Very low income (50%) | $45,000 | $51,400 | $57,850 | $64,250 | $69,400 | $74,550 | $79,700 | $84,850 |
| Extremely low income (30%) | $27,000 | $30,850 | $34,700 | $38,550 | $41,650 | $44,750 | $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 | $1,907/mo | $1,788 | +6.7% |
| 1 bedroom | $2,008/mo | $1,901 | +5.6% |
| 2 bedrooms | $2,349/mo | $2,254 | +4.2% |
| 3 bedrooms | $3,052/mo | $2,920 | +4.5% |
| 4 bedrooms | $3,523/mo | $3,388 | +4% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: West Palm Beach-Boca Raton, 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 Palm Beach 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 Palm Beach 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 Palm Beach County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Palm Beach County in 2026.
What are the HUD income limits in Palm Beach County?
For a family of four (FY2026): low income $102,800, very low income $64,250, extremely low income $38,550; area median family income $107,600.
What is the fair market rent in Palm Beach County?
$2,349 a month for a two-bedroom unit in FY2027 (HUD), $2,008 for one bedroom.