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Florida 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Florida

Florida has 67 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Alachua County to a high of $1,680,800 for a 4-bedroom unit in Monroe County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Florida's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($907,900)
Highest Loan Limit ($1,680,800)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Florida (67 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Alachua County $472,030 $907,900 view details »
Baker County $526,700 $1,012,900 view details »
Bay County $472,030 $907,900 view details »
Bradford County $472,030 $907,900 view details »
Brevard County $472,030 $907,900 view details »
Broward County $557,750 $1,072,600 view details »
Calhoun County $472,030 $907,900 view details »
Charlotte County $472,030 $907,900 view details »
Citrus County $472,030 $907,900 view details »
Clay County $526,700 $1,012,900 view details »
Collier County $672,750 $1,293,750 view details »
Columbia County $472,030 $907,900 view details »
Desoto County $472,030 $907,900 view details »
Dixie County $472,030 $907,900 view details »
Duval County $526,700 $1,012,900 view details »
Escambia County $472,030 $907,900 view details »
Flagler County $472,030 $907,900 view details »
Franklin County $472,030 $907,900 view details »
Gadsden County $472,030 $907,900 view details »
Gilchrist County $472,030 $907,900 view details »
Glades County $472,030 $907,900 view details »
Gulf County $472,030 $907,900 view details »
Hamilton County $472,030 $907,900 view details »
Hardee County $472,030 $907,900 view details »
Hendry County $472,030 $907,900 view details »
Hernando County $472,030 $907,900 view details »
Highlands County $472,030 $907,900 view details »
Hillsborough County $472,030 $907,900 view details »
Holmes County $472,030 $907,900 view details »
Indian River County $472,030 $907,900 view details »
Jackson County $472,030 $907,900 view details »
Jefferson County $472,030 $907,900 view details »
Lafayette County $472,030 $907,900 view details »
Lake County $472,030 $907,900 view details »
Lee County $472,030 $907,900 view details »
Leon County $472,030 $907,900 view details »
Levy County $472,030 $907,900 view details »
Liberty County $472,030 $907,900 view details »
Madison County $472,030 $907,900 view details »
Manatee County $506,000 $973,100 view details »
Marion County $472,030 $907,900 view details »
Martin County $500,250 $962,050 view details »
Miami-Dade County $557,750 $1,072,600 view details »
Monroe County $874,000 $1,680,800 view details »
Nassau County $526,700 $1,012,900 view details »
Okaloosa County $603,750 $1,161,050 view details »
Okeechobee County $472,030 $907,900 view details »
Orange County $472,030 $907,900 view details »
Osceola County $472,030 $907,900 view details »
Palm Beach County $557,750 $1,072,600 view details »
Pasco County $472,030 $907,900 view details »
Pinellas County $472,030 $907,900 view details »
Polk County $472,030 $907,900 view details »
Putnam County $472,030 $907,900 view details »
St. Johns County $526,700 $1,012,900 view details »
St. Lucie County $500,250 $962,050 view details »
Santa Rosa County $472,030 $907,900 view details »
Sarasota County $506,000 $973,100 view details »
Seminole County $472,030 $907,900 view details »
Sumter County $472,030 $907,900 view details »
Suwannee County $472,030 $907,900 view details »
Taylor County $472,030 $907,900 view details »
Union County $472,030 $907,900 view details »
Volusia County $472,030 $907,900 view details »
Wakulla County $472,030 $907,900 view details »
Walton County $603,750 $1,161,050 view details »
Washington County $472,030 $907,900 view details »

How to qualify for an FHA Loan in Florida?

To qualify for an FHA loan in Florida, your home loan must be below the local FHA loan limits in your area. For 2023, the maximum loan limit in Florida is $472,030 for a single-family home and $1,680,800 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Florida. Additional restricts apply. Click on the Florida map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/florida
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