FHA limits in Florida run from the national floor in most rural counties to higher figures in South Florida and the Keys, and insurance costs often decide how much an FHA buyer can afford.
2026 FHA limits in Florida
One-unit FHA limits run from $541,287 to $990,150 across Florida’s 67 counties; 51 are at the national floor. The ten highest are below; see all 67 Florida counties.
| County | FHA, 1 unit | FHA, 2 units | FHA, 4 units | Conforming, 1 unit |
|---|---|---|---|---|
| Monroe | $990,150 | $1,267,600 | $1,904,150 | $990,150 |
| Collier | $764,750 | $979,000 | $1,470,700 | $832,750 |
| Broward | $667,000 | $853,900 | $1,282,700 | $832,750 |
| Miami-Dade | $667,000 | $853,900 | $1,282,700 | $832,750 |
| Palm Beach | $667,000 | $853,900 | $1,282,700 | $832,750 |
| Martin | $603,750 | $772,900 | $1,161,050 | $832,750 |
| Okaloosa | $603,750 | $772,900 | $1,161,050 | $832,750 |
| St. Lucie | $603,750 | $772,900 | $1,161,050 | $832,750 |
| Walton | $603,750 | $772,900 | $1,161,050 | $832,750 |
| Baker | $580,750 | $743,450 | $1,116,850 | $832,750 |
What is different in Florida
- Wind and flood insurance count in the housing payment, so in coastal areas they can move the debt-to-income ratio as much as the price does.
- Many Florida condos aren’t FHA-approved, and new condo safety rules have pushed some buildings out of approval while repairs are funded.
- Florida Housing’s first mortgages and down payment programs, including Hometown Heroes, can pair with FHA.
- Older homes may need a four-point or wind mitigation inspection for insurance, separate from the FHA appraisal.
Questions
What is the FHA loan limit in Miami-Dade County?
$667,000 for a one-unit home in 2026. See also: FHA loans in California.
How do I qualify for an FHA loan in Florida?
The same as nationwide: 580 or higher for the low down payment, a debt-to-income ratio within FHA’s limits including insurance, and a primary home.
Can I get an FHA loan for a Florida condo?
Only in an FHA-approved project or with a single-unit approval. Check the building first, since many Florida condos have lost or never had approval. See also: Mortgage loans in Florida.
Related
FHA loans in other states: California, Arizona, Ohio. All of Florida: mortgage loans in Florida.
