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2026 Florida loan limits by county
Florida has 67 counties in the 2026 FHFA list. The highest one-unit conforming limit is $990,150 in Monroe County; the state median is $832,750. 1 of 67 are above the $832,750 national baseline. 51 sit at the 2026 FHA floor of $541,287.
- 67Counties listed
- $990,150Highest 1-unit conformingMonroe County
- $832,750Median 1-unit conforming
- 51At FHA floorof 67
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Alachua County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Baker County | $832,750 | +$26,250 (+3.3%) | $580,750 | $1,601,750 |
| Bay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bradford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Brevard County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Broward County | $832,750 | +$26,250 (+3.3%) | $667,000 | $1,601,750 |
| Calhoun County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Charlotte County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Citrus County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clay County | $832,750 | +$26,250 (+3.3%) | $580,750 | $1,601,750 |
| Collier County | $832,750 | +$26,250 (+3.3%) | $764,750 | $1,601,750 |
| Columbia County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| DeSoto County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dixie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Duval County | $832,750 | +$26,250 (+3.3%) | $580,750 | $1,601,750 |
| Escambia County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Flagler County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gadsden County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gilchrist County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Glades County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gulf County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hamilton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hardee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hendry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hernando County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Highlands County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hillsborough County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Holmes County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Indian River County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jackson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jefferson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lafayette County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lake County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Leon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Levy County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Liberty County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Madison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Manatee County | $832,750 | +$26,250 (+3.3%) | $547,400 | $1,601,750 |
| Marion County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Martin County | $832,750 | +$26,250 (+3.3%) | $603,750 | $1,601,750 |
| Miami-Dade County | $832,750 | +$26,250 (+3.3%) | $667,000 | $1,601,750 |
| Monroe County | $990,150 | +$23,000 (+2.4%) | $990,150 | $1,904,150 |
| Nassau County | $832,750 | +$26,250 (+3.3%) | $580,750 | $1,601,750 |
| Okaloosa County | $832,750 | +$26,250 (+3.3%) | $603,750 | $1,601,750 |
| Okeechobee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Orange County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Osceola County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Palm Beach County | $832,750 | +$26,250 (+3.3%) | $667,000 | $1,601,750 |
| Pasco County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pinellas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Polk County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Putnam County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Santa Rosa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sarasota County | $832,750 | +$26,250 (+3.3%) | $547,400 | $1,601,750 |
| Seminole County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| St. Johns County | $832,750 | +$26,250 (+3.3%) | $580,750 | $1,601,750 |
| St. Lucie County | $832,750 | +$26,250 (+3.3%) | $603,750 | $1,601,750 |
| Sumter County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Suwannee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Taylor County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Union County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Volusia County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wakulla County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Walton County | $832,750 | +$26,250 (+3.3%) | $603,750 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.