2026 loan limits in Florida
1 of Florida’s 67 counties are high-cost areas with conforming limits above the $832,750 baseline. The rest use the national limits.
One-unit limits by county
| 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 |
More for Florida
Limits for 2026 from HUD’s county files; conforming limits are set by the Federal Housing Finance Agency.