Nearly every Florida county uses the $832,750 conforming baseline in 2026; the exception is Monroe County, the Keys, with a higher limit.
2026 high-cost counties in Florida
Every other county uses the $832,750 baseline for a one-unit home. See all 67 Florida counties.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Monroe | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
What is different in Florida
- One Florida county is high-cost in 2026: Monroe, at $990,150 for a one-unit home.
- Above the county limit a loan is jumbo, which is common in Miami Beach, Naples, Palm Beach and the Keys.
- Insurance and HOA dues often weigh more in a Florida jumbo approval than the rate, because lenders count them in the ratio and many want reserves to cover them.
- Non-warrantable condos in South Florida often need portfolio or non-QM financing whatever the loan size.
Questions
What is the conventional loan limit in Florida?
$832,750 for a one-unit home in every county except Monroe, where it is $990,150 in 2026. See also: Mortgage loans in Florida.
What is the maximum amount of a jumbo loan in Florida?
There is no fixed maximum: jumbo lenders set their own, often several million dollars for strong files.
What qualifies as a jumbo loan in Florida?
A loan above the county’s conforming limit: above $832,750 in most counties in 2026.
Related
- Jumbo loans
- Jumbo vs conforming loans
- Conventional loans
- Home affordability calculator
- Mortgage reserves calculator
Conforming and jumbo loans in other states: California, Arizona, Ohio. All of Florida: mortgage loans in Florida.
