Limits for 2026 · updated 2026-10-29
Florida loan limits 2026
1 of 67 counties in Florida are high-cost areas with a conforming limit above the $832,750 baseline — the highest is $990,150 in Monroe County. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
Baseline ($832,750) 6610–25% above 1
All counties
| Monroe County | $990,150 | +2.4% | $990,150 | $861,000 | $2,254 |
| Alachua County | $832,750 | +3.3% | $541,287 | $315,000 | $1,471 |
| Baker County | $832,750 | +3.3% | $580,750 | $486,000 | $1,110 |
| Bay County | $832,750 | +3.3% | $541,287 | $330,000 | $1,651 |
| Bradford County | $832,750 | +3.3% | $541,287 | $210,000 | $1,008 |
| Brevard County | $832,750 | +3.3% | $541,287 | $349,000 | $1,779 |
| Broward County | $832,750 | +3.3% | $667,000 | $580,000 | $2,321 |
| Calhoun County | $832,750 | +3.3% | $541,287 | $92,000 | $953 |
| Charlotte County | $832,750 | +3.3% | $541,287 | $315,000 | $1,575 |
| Citrus County | $832,750 | +3.3% | $541,287 | $247,000 | $1,194 |
| Clay County | $832,750 | +3.3% | $580,750 | $486,000 | $1,694 |
| Collier County | $832,750 | +3.3% | $764,750 | $650,000 | $2,036 |
| Columbia County | $832,750 | +3.3% | $541,287 | $180,000 | $1,187 |
| Desoto County | $832,750 | +3.3% | $541,287 | $230,000 | $1,089 |
| Dixie County | $832,750 | +3.3% | $541,287 | $109,000 | $1,041 |
| Duval County | $832,750 | +3.3% | $580,750 | $486,000 | $1,694 |
| Escambia County | $832,750 | +3.3% | $541,287 | $330,000 | $1,548 |
| Flagler County | $832,750 | +3.3% | $541,287 | $351,000 | $1,758 |
| Franklin County | $832,750 | +3.3% | $541,287 | $230,000 | $1,068 |
| Gadsden County | $832,750 | +3.3% | $541,287 | $277,000 | $1,424 |
| Gilchrist County | $832,750 | +3.3% | $541,287 | $315,000 | $1,471 |
| Glades County | $832,750 | +3.3% | $541,287 | $245,000 | $1,127 |
| Gulf County | $832,750 | +3.3% | $541,287 | $335,000 | $1,532 |
| Hamilton County | $832,750 | +3.3% | $541,287 | $110,000 | $953 |
| Hardee County | $832,750 | +3.3% | $541,287 | $175,000 | $1,124 |
| Hendry County | $832,750 | +3.3% | $541,287 | $245,000 | $1,144 |
| Hernando County | $832,750 | +3.3% | $541,287 | $400,000 | $1,917 |
| Highlands County | $832,750 | +3.3% | $541,287 | $225,000 | $1,259 |
| Hillsborough County | $832,750 | +3.3% | $541,287 | $400,000 | $1,917 |
| Holmes County | $832,750 | +3.3% | $541,287 | $130,000 | $971 |
| Indian River County | $832,750 | +3.3% | $541,287 | $384,000 | $1,542 |
| Jackson County | $832,750 | +3.3% | $541,287 | $130,000 | $962 |
| Jefferson County | $832,750 | +3.3% | $541,287 | $277,000 | $1,424 |
| Lafayette County | $832,750 | +3.3% | $541,287 | $119,000 | $1,191 |
| Lake County | $832,750 | +3.3% | $541,287 | $453,000 | $1,959 |
| Lee County | $832,750 | +3.3% | $541,287 | $364,000 | $1,835 |
| Leon County | $832,750 | +3.3% | $541,287 | $277,000 | $1,424 |
| Levy County | $832,750 | +3.3% | $541,287 | $315,000 | $954 |
| Liberty County | $832,750 | +3.3% | $541,287 | $85,000 | $975 |
| Madison County | $832,750 | +3.3% | $541,287 | $90,000 | $978 |
| Manatee County | $832,750 | +3.3% | $547,400 | $433,000 | $2,188 |
| Marion County | $832,750 | +3.3% | $541,287 | $270,000 | $1,394 |
| Martin County | $832,750 | +3.3% | $603,750 | $525,000 | $2,069 |
| Miami-Dade County | $832,750 | +3.3% | $667,000 | $580,000 | $2,564 |
| Nassau County | $832,750 | +3.3% | $580,750 | $486,000 | $1,694 |
| Okaloosa County | $832,750 | +3.3% | $603,750 | $505,000 | $1,908 |
| Okeechobee County | $832,750 | +3.3% | $541,287 | $165,000 | $1,212 |
| Orange County | $832,750 | +3.3% | $541,287 | $453,000 | $1,959 |
| Osceola County | $832,750 | +3.3% | $541,287 | $453,000 | $1,959 |
| Palm Beach County | $832,750 | +3.3% | $667,000 | $580,000 | $2,349 |
| Pasco County | $832,750 | +3.3% | $541,287 | $400,000 | $1,917 |
| Pinellas County | $832,750 | +3.3% | $541,287 | $400,000 | $1,917 |
| Polk County | $832,750 | +3.3% | $541,287 | $304,000 | $1,608 |
| Putnam County | $832,750 | +3.3% | $541,287 | $134,000 | $1,040 |
| Santa Rosa County | $832,750 | +3.3% | $541,287 | $330,000 | $1,548 |
| Sarasota County | $832,750 | +3.3% | $547,400 | $433,000 | $2,188 |
| Seminole County | $832,750 | +3.3% | $541,287 | $453,000 | $1,959 |
| St. Johns County | $832,750 | +3.3% | $580,750 | $486,000 | $1,694 |
| St. Lucie County | $832,750 | +3.3% | $603,750 | $525,000 | $2,069 |
| Sumter County | $832,750 | +3.3% | $541,287 | $380,000 | $1,324 |
| Suwannee County | $832,750 | +3.3% | $541,287 | $145,000 | $999 |
| Taylor County | $832,750 | +3.3% | $541,287 | $129,000 | $953 |
| Union County | $832,750 | +3.3% | $541,287 | $181,000 | $1,019 |
| Volusia County | $832,750 | +3.3% | $541,287 | $351,000 | $1,673 |
| Wakulla County | $832,750 | +3.3% | $541,287 | $277,000 | $1,283 |
| Walton County | $832,750 | +3.3% | $603,750 | $505,000 | $1,474 |
| Washington County | $832,750 | +3.3% | $541,287 | $330,000 | $1,040 |
Click a column to sort. 2-BR rent = HUD fair market rent FY2027.
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 for 2026?
$832,750 in most counties; 1 high-cost county has higher limits, up to $990,150 in Monroe County.
What is the FHA loan limit in Florida?
From $541,287 to $990,150 for a single-family home in 2026, depending on the county.