2026 loan limits in St. Johns County, Florida
In St. Johns County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $580,750.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$580,750High-cost county
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$601,813Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $580,750 |
| 2 units | $1,066,250 | $743,450 |
| 3 units | $1,288,800 | $898,700 |
| 4 units | $1,601,750 | $1,116,850 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in St. Johns County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $601,813.
Questions
What is the 2026 conforming loan limit in St. Johns County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in St. Johns County?
$580,750 for a one-unit home.
More for St. Johns County
St. Johns County property taxesFHA loan limits toolFlorida closing costsElkton 32033 market dataHastings 32145 market dataPonte Vedra 32081 market dataPonte Vedra Beach 32082 market dataSaint Augustine 32080 market dataSaint Augustine 32084 market dataSaint Augustine 32086 market dataSaint Augustine 32092 market dataSaint Augustine 32095 market dataSaint Johns 32259 market data
2026 limits from HUD’s county files (Jacksonville, Fl). Conforming limits are set by the Federal Housing Finance Agency.