Florida FHA Loan Limits 2026

View FHA loan limits for all 67 counties in Florida. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$990,150

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Florida has 51 standard-limit counties and 16 high-cost areas. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Alachua County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Baker County	$580,750	$743,450	$898,700	$1,116,850	High-Cost	Calculate
Bay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bradford Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brevard County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Broward County	$667,000	$853,900	$1,032,150	$1,282,700	High-Cost	Calculate
Calhoun County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Charlotte Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Citrus County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clay County	$580,750	$743,450	$898,700	$1,116,850	High-Cost	Calculate
Collier County	$764,750	$979,000	$1,183,400	$1,470,700	High-Cost	Calculate
Columbia Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Desoto County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dixie County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Duval County	$580,750	$743,450	$898,700	$1,116,850	High-Cost	Calculate
Escambia Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Flagler County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Franklin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gadsden County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gilchrist Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Glades County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gulf County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hamilton Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hardee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hendry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hernando Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Highlands Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hillsborough C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Holmes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Indian River C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lafayette Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lake County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Leon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Levy County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Liberty County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Madison County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Manatee County	$547,400	$700,750	$847,050	$1,052,700	High-Cost	Calculate
Marion County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Martin County	$603,750	$772,900	$934,250	$1,161,050	High-Cost	Calculate
Miami-dade Cou	$667,000	$853,900	$1,032,150	$1,282,700	High-Cost	Calculate
Monroe County	$990,150	$1,267,600	$1,532,200	$1,904,150	High-Cost	Calculate
Nassau County	$580,750	$743,450	$898,700	$1,116,850	High-Cost	Calculate
Okaloosa Count	$603,750	$772,900	$934,250	$1,161,050	High-Cost	Calculate
Okeechobee Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Orange County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Osceola County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Palm Beach Cou	$667,000	$853,900	$1,032,150	$1,282,700	High-Cost	Calculate
Pasco County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pinellas Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Polk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Putnam County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Santa Rosa Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sarasota Count	$547,400	$700,750	$847,050	$1,052,700	High-Cost	Calculate
Seminole Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Johns Coun	$580,750	$743,450	$898,700	$1,116,850	High-Cost	Calculate
St. Lucie Coun	$603,750	$772,900	$934,250	$1,161,050	High-Cost	Calculate
Sumter County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Suwannee Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Taylor County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Union County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Volusia County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wakulla County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Walton County	$603,750	$772,900	$934,250	$1,161,050	High-Cost	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Florida

Use the calculator below with Florida pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

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Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

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Understanding FHA Loan Limits in Florida

FHA loan limits in Florida vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Florida's single-family FHA limits range from $541,287 to $990,150.

The variation in limits reflects differences in median home prices across Florida's counties. 16 counties are designated as high-cost areas with limits above the national floor of $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.