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.

Florida 2023 FHA Loan Limits

Loan Limits in Florida

Loan Limits by County in Florida (67 counties)

How to qualify for an FHA Loan in Florida?

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