Florida FHA loan limits for 2026, county by county
For 2026, the FHA loan limit in most Florida counties is $541,287 for a one-unit home — the national floor — while higher-cost counties run above it, topping out at $990,150 in Monroe County (the Keys). These are HUD’s published figures, they cap the loan FHA will insure (not the price you can pay), and they reset every January. Here’s the whole 2026 map and what to do when your number is bigger than your county’s.
The 2026 Florida FHA limits (one-unit)
| Where | 2026 one-unit FHA limit |
|---|---|
| Most Florida counties (the FHA floor) | $541,287 |
| Miami-Dade, Broward, Palm Beach | $667,000 |
| Monroe County (Key West & the Keys) — Florida’s highest | $990,150 |
| A handful of other counties (Collier/Naples among them) | Between the floor and Monroe — verify yours at HUD’s official lookup |
| National FHA ceiling (no Florida county reaches it) | $1,249,125 |
Two mechanics worth knowing. First, the floor is formula-driven: HUD sets it at 65% of the national conforming baseline — 2026’s $832,750 conforming baseline × 65% is exactly the $541,287 FHA floor. When conforming limits rise each year, FHA limits rise with them. Second, limits are per county and per unit count — two- to four-unit properties carry higher caps everywhere, which is why owner-occupied small multifamily remains one of the smartest FHA plays in Florida. For any county or unit count not printed above, HUD’s lookup is the source of record, and we re-verify this page against it every January.
The limit caps the loan — not the house
The single most common misreading of these numbers: an FHA limit is not a price ceiling. It caps the amount FHA will insure. Fall in love with a home above your county’s figure and FHA can still work — you bridge the difference with a larger down payment so the financed amount stays under the cap. FHA’s program-minimum down payment itself stays famously accessible (that story lives on our FHA requirements guide); the limit only decides where the borrowing stops.
When your loan needs to be bigger than FHA allows
In most of Florida there’s a wide runway past the FHA floor before financing gets exotic: conventional conforming loans reach a 2026 baseline of $832,750 statewide — nearly $300,000 past the FHA floor — and above that, jumbo financing takes over (our Florida jumbo guide covers that territory). Between a bigger down payment on FHA, a conventional loan, and jumbo, the right answer is a pricing question across your whole file — credit, down payment, property type, and yes, the county — which is exactly the comparison we run as a broker across the lender menu. Buying a Florida condo with FHA adds one more layer — the building itself must be FHA-eligible — and our condo financing guide explains that review. First-time buyers stacking assistance should also see the Hometown Heroes program, which pairs with FHA financing.
Figures above are HUD’s published 2026 FHA loan limits and are subject to change; always verify your county at HUD’s lookup. New Century Financial Mortgage, LLC is a licensed mortgage broker (NMLS #1967971), not a lender; program criteria and terms are set by FHA and individual lenders, nothing here is an offer or commitment to lend, and all loans are subject to lender approval.
Florida FHA limits: FAQ
What is the FHA loan limit in Florida for 2026?
For a one-unit home, most Florida counties use the 2026 FHA floor of $541,287. Higher-cost counties run above it — Miami-Dade, Broward, and Palm Beach at $667,000, and Monroe County (the Keys) highest in the state at $990,150. A handful of other counties sit between the floor and Monroe; HUD’s official lookup gives every county’s exact figure.
Is the FHA loan limit the maximum home price I can pay?
No — it caps the loan FHA will insure, not the purchase price. You can buy above the limit by bringing a larger down payment so the financed amount stays under your county’s cap. The limit constrains borrowing, not buying.
Which 2026 limit applies to my loan — old year or new?
The 2026 limits apply to FHA loans with case numbers assigned on or after January 1, 2026. The case-number date, not your contract or closing date, decides which year’s limit governs the file.
Are FHA limits higher for duplexes and multi-unit homes?
Yes — every county carries separate, higher limits for two-, three-, and four-unit properties, and owner-occupying one unit of a small multifamily with FHA financing is a classic house-hacking path. Pull your county’s exact multi-unit figures from HUD’s lookup before you shop.
What are my options if the home I want exceeds my county's FHA limit?
Three main paths: bridge the gap with a larger down payment so the loan fits under the cap; switch to conventional financing, whose 2026 Florida baseline of $832,750 reaches well past FHA’s floor in most counties; or, above conforming territory, jumbo financing. Which path prices best depends on your whole file — exactly the comparison a broker runs.
Why do FHA limits change every year?
HUD recalculates them annually from median home prices, anchored to the national conforming baseline — the FHA floor is set at 65% of it. When home prices rise, both conforming and FHA limits rise the following January. We re-verify this page against HUD’s published figures each year.