What is the FHA loan limit in Florida?
Most Florida counties use the 2026 FHA floor of $541,287 for a one-unit home. High-cost MSAs are higher: Miami / Fort Lauderdale / West Palm Beach is $667,000, Naples is $764,750, Jacksonville is $580,750, and North Port–Sarasota is $547,400.
What this actually means.
FHA sets per-county limits that update each January. The 'floor' applies to standard-cost counties; HUD raises the limit for high-cost MSAs based on the area's median home price. The full 2026 county-by-county table is on this page above. 2-, 3-, and 4-unit limits scale up accordingly. Confirm the current cap against the official HUD lookup before structuring an offer.
What this looks like on a real file.
Where this can move.
FHA county loan limits update annually. Confirm the current limit on the official HUD lookup before structuring an offer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.