Stewardship Capital
The conforming and FHA loan limits for all 67 counties in Florida, effective for 2026. Conforming limits come from the Federal Housing Finance Agency, FHA limits from HUD.
Baseline conforming
$832,750
One unit, most counties
Highest in Florida
$990,150
Monroe County
FHA range
$541,287 – $990,150
One unit, by county
One of Florida's 67 counties is designated high-cost, which means the conforming limit there is above the national baseline. The highest in the state is Monroe County at $990,150 for a one-unit home.
| County | Conforming | FHA |
|---|---|---|
| Alachua County | $832,750 | $541,287 |
| Baker County | $832,750 | $580,750 |
| Bay County | $832,750 | $541,287 |
| Bradford County | $832,750 | $541,287 |
| Brevard County | $832,750 | $541,287 |
| Broward County | $832,750 | $667,000 |
| Calhoun County | $832,750 | $541,287 |
| Charlotte County | $832,750 | $541,287 |
| Citrus County | $832,750 | $541,287 |
| Clay County | $832,750 | $580,750 |
| Collier County | $832,750 | $764,750 |
| Columbia County | $832,750 | $541,287 |
| Desoto County | $832,750 | $541,287 |
| Dixie County | $832,750 | $541,287 |
| Duval County | $832,750 | $580,750 |
| Escambia County | $832,750 | $541,287 |
| Flagler County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Gadsden County | $832,750 | $541,287 |
| Gilchrist County | $832,750 | $541,287 |
| Glades County | $832,750 | $541,287 |
| Gulf County | $832,750 | $541,287 |
| Hamilton County | $832,750 | $541,287 |
| Hardee County | $832,750 | $541,287 |
| Hendry County | $832,750 | $541,287 |
| Hernando County | $832,750 | $541,287 |
| Highlands County | $832,750 | $541,287 |
| Hillsborough County | $832,750 | $541,287 |
| Holmes County | $832,750 | $541,287 |
| Indian River County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Lafayette County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lee County | $832,750 | $541,287 |
| Leon County | $832,750 | $541,287 |
| Levy County | $832,750 | $541,287 |
| Liberty County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Manatee County | $832,750 | $547,400 |
| Marion County | $832,750 | $541,287 |
| Martin County | $832,750 | $603,750 |
| Miami-Dade County | $832,750 | $667,000 |
| Monroe County | $990,150 | $990,150 |
| Nassau County | $832,750 | $580,750 |
| Okaloosa County | $832,750 | $603,750 |
| Okeechobee County | $832,750 | $541,287 |
| Orange County | $832,750 | $541,287 |
| Osceola County | $832,750 | $541,287 |
| Palm Beach County | $832,750 | $667,000 |
| Pasco County | $832,750 | $541,287 |
| Pinellas County | $832,750 | $541,287 |
| Polk County | $832,750 | $541,287 |
| Putnam County | $832,750 | $541,287 |
| Santa Rosa County | $832,750 | $541,287 |
| Sarasota County | $832,750 | $547,400 |
| Seminole County | $832,750 | $541,287 |
| St. Johns County | $832,750 | $580,750 |
| St. Lucie County | $832,750 | $603,750 |
| Sumter County | $832,750 | $541,287 |
| Suwannee County | $832,750 | $541,287 |
| Taylor County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Volusia County | $832,750 | $541,287 |
| Wakulla County | $832,750 | $541,287 |
| Walton County | $832,750 | $603,750 |
| Washington County | $832,750 | $541,287 |
Not sure which limit applies to your purchase? Stewardship Capital works with buyers and homeowners in Florida. Talk it through with Stephen.
The baseline conforming loan limit in Florida for 2026 is $832,750 for a one-unit home. In Monroe County, the one county in Florida designated high-cost, it is $990,150.
FHA loan limits in Florida range from $541,287 to $990,150 for a one-unit home, depending on the county. The national FHA floor is $541,287 and the ceiling is $1,249,125.
A high balance loan is a conforming loan in a county whose limit is above the national baseline of $832,750. It still follows Fannie Mae and Freddie Mac guidelines, so it is not a jumbo loan, though it usually prices a little differently.
A loan above the county's conforming limit is a jumbo loan. Jumbo loans are held by individual investors rather than bought by Fannie Mae or Freddie Mac, so the qualifying guidelines are set by each investor and tend to be stricter on credit, reserves and down payment.
Yes, and they are higher. Every county has four limits, one for each size of property from one unit up to four units. The figures on this page are the one-unit limits, which is what most buyers need.
About these numbers. Conforming limits are published each year by the Federal Housing Finance Agency and apply to loans bought by Fannie Mae and Freddie Mac. FHA limits are published by the U.S. Department of Housing and Urban Development. Both are effective for 2026. Limits are set by county and by the number of units, and they are not a quote, a commitment to lend or an offer of credit. Stephen Chakerian, NMLS #2193331 | Stewardship Capital, a team of Barrett Financial Group, L.L.C., NMLS #181106 | Equal Housing Opportunity.
