Florida 2024 FHA Loan Limits

Last Updated: Tue, January 2, 2024

Loan Limits in Florida

Florida has 67 counties with FHA Limits ranging from a low of $498,257 for a 1-bedroom unit in Alachua County to a high of $1,786,950 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 ($958,350)
Highest Loan Limit ($1,786,950)

† 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 $498,257 $958,350 view details »
Baker County $564,650 $1,085,900 view details »
Bay County $498,257 $958,350 view details »
Bradford County $498,257 $958,350 view details »
Brevard County $498,257 $958,350 view details »
Broward County $621,000 $1,194,250 view details »
Calhoun County $498,257 $958,350 view details »
Charlotte County $498,257 $958,350 view details »
Citrus County $498,257 $958,350 view details »
Clay County $564,650 $1,085,900 view details »
Collier County $730,250 $1,404,350 view details »
Columbia County $498,257 $958,350 view details »
Desoto County $498,257 $958,350 view details »
Dixie County $498,257 $958,350 view details »
Duval County $564,650 $1,085,900 view details »
Escambia County $498,257 $958,350 view details »
Flagler County $498,257 $958,350 view details »
Franklin County $498,257 $958,350 view details »
Gadsden County $498,257 $958,350 view details »
Gilchrist County $498,257 $958,350 view details »
Glades County $498,257 $958,350 view details »
Gulf County $498,257 $958,350 view details »
Hamilton County $498,257 $958,350 view details »
Hardee County $498,257 $958,350 view details »
Hendry County $498,257 $958,350 view details »
Hernando County $498,257 $958,350 view details »
Highlands County $498,257 $958,350 view details »
Hillsborough County $498,257 $958,350 view details »
Holmes County $498,257 $958,350 view details »
Indian River County $498,257 $958,350 view details »
Jackson County $498,257 $958,350 view details »
Jefferson County $498,257 $958,350 view details »
Lafayette County $498,257 $958,350 view details »
Lake County $498,257 $958,350 view details »
Lee County $498,257 $958,350 view details »
Leon County $498,257 $958,350 view details »
Levy County $498,257 $958,350 view details »
Liberty County $498,257 $958,350 view details »
Madison County $498,257 $958,350 view details »
Manatee County $547,400 $1,052,700 view details »
Marion County $498,257 $958,350 view details »
Martin County $546,250 $1,050,500 view details »
Miami-Dade County $621,000 $1,194,250 view details »
Monroe County $929,200 $1,786,950 view details »
Nassau County $564,650 $1,085,900 view details »
Okaloosa County $603,750 $1,161,050 view details »
Okeechobee County $498,257 $958,350 view details »
Orange County $498,257 $958,350 view details »
Osceola County $498,257 $958,350 view details »
Palm Beach County $621,000 $1,194,250 view details »
Pasco County $498,257 $958,350 view details »
Pinellas County $498,257 $958,350 view details »
Polk County $498,257 $958,350 view details »
Putnam County $498,257 $958,350 view details »
St. Johns County $564,650 $1,085,900 view details »
St. Lucie County $546,250 $1,050,500 view details »
Santa Rosa County $498,257 $958,350 view details »
Sarasota County $547,400 $1,052,700 view details »
Seminole County $498,257 $958,350 view details »
Sumter County $498,257 $958,350 view details »
Suwannee County $498,257 $958,350 view details »
Taylor County $498,257 $958,350 view details »
Union County $498,257 $958,350 view details »
Volusia County $498,257 $958,350 view details »
Wakulla County $498,257 $958,350 view details »
Walton County $603,750 $1,161,050 view details »
Washington County $498,257 $958,350 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 2024, the maximum loan limit in Florida is $498,257 for a single-family home and $1,786,950 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