Florida Municipio, Puerto Rico loan limits 2026
FIPS 72054 · 1 ZIP codes, e.g. 00650 · metro area (CBSA) 41980
In Florida Municipio the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $690,000. 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 Florida Municipio, 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 | $690,000 | +3.3% |
| 2 units | $1,066,250 | $883,300 | +3.3% |
| 3 units | $1,288,800 | $1,067,750 | +3.3% |
| 4 units | $1,601,750 | $1,326,950 | +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. Florida Municipio is in metro area CBSA 41980; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $41,400 · San Juan-Guaynabo, PR HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $23,200 | $26,500 | $29,800 | $33,100 | $35,750 | $38,400 | $41,050 | $43,700 |
| Very low income (50%) | $14,500 | $16,600 | $18,650 | $20,700 | $22,400 | $24,050 | $25,700 | $27,350 |
| Extremely low income (30%) | $14,500 | $16,600 | $18,650 | $20,700 | $22,400 | $24,050 | $25,700 | $27,350 |
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 | $592/mo | $559 | +5.9% |
| 1 bedroom | $604/mo | $572 | +5.6% |
| 2 bedrooms | $706/mo | $663 | +6.5% |
| 3 bedrooms | $920/mo | $868 | +6% |
| 4 bedrooms | $1,117/mo | $1,046 | +6.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: San Juan-Guaynabo, PR HUD Metro FMR Area.
Same metro area
Counties in CBSA 41980 share the same loan limits.
Other counties in Puerto Rico
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 Florida Municipio, PR 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 Florida Municipio?
$690,000 for a single-family home in 2026 (HUD), up to $1,326,950 for a four-unit property.
What counts as a jumbo loan in Florida Municipio?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Florida Municipio in 2026.
What are the HUD income limits in Florida Municipio?
For a family of four (FY2026): low income $33,100, very low income $20,700, extremely low income $20,700; area median family income $41,400.
What is the fair market rent in Florida Municipio?
$706 a month for a two-bedroom unit in FY2027 (HUD), $604 for one bedroom.