Florida 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Florida

Florida has 67 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Alachua County to a high of $1,859,950 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 ($1,008,300) †

Highest Loan Limit ($1,859,950)

† 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	$524,225	$1,008,300	view details »
Baker County	$580,750	$1,116,850	view details »
Bay County	$524,225	$1,008,300	view details »
Bradford County	$524,225	$1,008,300	view details »
Brevard County	$524,225	$1,008,300	view details »
Broward County	$654,350	$1,258,400	view details »
Calhoun County	$524,225	$1,008,300	view details »
Charlotte County	$524,225	$1,008,300	view details »
Citrus County	$524,225	$1,008,300	view details »
Clay County	$580,750	$1,116,850	view details »
Collier County	$764,750	$1,470,700	view details »
Columbia County	$524,225	$1,008,300	view details »
Desoto County	$524,225	$1,008,300	view details »
Dixie County	$524,225	$1,008,300	view details »
Duval County	$580,750	$1,116,850	view details »
Escambia County	$524,225	$1,008,300	view details »
Flagler County	$524,225	$1,008,300	view details »
Franklin County	$524,225	$1,008,300	view details »
Gadsden County	$524,225	$1,008,300	view details »
Gilchrist County	$524,225	$1,008,300	view details »
Glades County	$524,225	$1,008,300	view details »
Gulf County	$524,225	$1,008,300	view details »
Hamilton County	$524,225	$1,008,300	view details »
Hardee County	$524,225	$1,008,300	view details »
Hendry County	$524,225	$1,008,300	view details »
Hernando County	$524,225	$1,008,300	view details »
Highlands County	$524,225	$1,008,300	view details »
Hillsborough County	$524,225	$1,008,300	view details »
Holmes County	$524,225	$1,008,300	view details »
Indian River County	$524,225	$1,008,300	view details »
Jackson County	$524,225	$1,008,300	view details »
Jefferson County	$524,225	$1,008,300	view details »
Lafayette County	$524,225	$1,008,300	view details »
Lake County	$524,225	$1,008,300	view details »
Lee County	$524,225	$1,008,300	view details »
Leon County	$524,225	$1,008,300	view details »
Levy County	$524,225	$1,008,300	view details »
Liberty County	$524,225	$1,008,300	view details »
Madison County	$524,225	$1,008,300	view details »
Manatee County	$547,400	$1,052,700	view details »
Marion County	$524,225	$1,008,300	view details »
Martin County	$596,850	$1,147,800	view details »
Miami-Dade County	$654,350	$1,258,400	view details »
Monroe County	$967,150	$1,859,950	view details »
Nassau County	$580,750	$1,116,850	view details »
Okaloosa County	$603,750	$1,161,050	view details »
Okeechobee County	$524,225	$1,008,300	view details »
Orange County	$524,225	$1,008,300	view details »
Osceola County	$524,225	$1,008,300	view details »
Palm Beach County	$654,350	$1,258,400	view details »
Pasco County	$524,225	$1,008,300	view details »
Pinellas County	$524,225	$1,008,300	view details »
Polk County	$524,225	$1,008,300	view details »
Putnam County	$524,225	$1,008,300	view details »
St. Johns County	$580,750	$1,116,850	view details »
St. Lucie County	$596,850	$1,147,800	view details »
Santa Rosa County	$524,225	$1,008,300	view details »
Sarasota County	$547,400	$1,052,700	view details »
Seminole County	$524,225	$1,008,300	view details »
Sumter County	$524,225	$1,008,300	view details »
Suwannee County	$524,225	$1,008,300	view details »
Taylor County	$524,225	$1,008,300	view details »
Union County	$524,225	$1,008,300	view details »
Volusia County	$524,225	$1,008,300	view details »
Wakulla County	$524,225	$1,008,300	view details »
Walton County	$603,750	$1,161,050	view details »
Washington County	$524,225	$1,008,300	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 2025, the maximum loan limit in Florida is $524,225 for a single-family home and $1,859,950 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.

Florida 2025 FHA Loan Limits

Loan Limits in Florida

Loan Limits by County in Florida (67 counties)

How to qualify for an FHA Loan in Florida?

RELATED LINKS