2026 conforming loan limits · Florida
Florida has 2 distinct one-unit conforming limits, from $832,750 to $990,150. 1 of 67 counties sit above the $832,750 baseline that applies here.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Florida at a glance
| Metric | Value |
|---|---|
| Counties | 67 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $990,150 |
| Distinct one-unit limits | 2 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 1 of 67 (1.5%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
How Florida splits
| FHFA position | Counties | Share | Lowest | Highest |
|---|---|---|---|---|
| At the baseline | 66 | 98.5% | $832,750 | $832,750 |
| Above baseline, below ceiling | 1 | 1.5% | $990,150 | $990,150 |
Highest limits in Florida: Monroe County ($990,150), Alachua County ($832,750), Baker County ($832,750), Bay County ($832,750), Bradford County ($832,750).
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Alachua County | GAINESVILLE, FL | $832,750 | $541,287 | $291,463 |
| Baker County | JACKSONVILLE, FL | $832,750 | $580,750 | $252,000 |
| Bay County | PANAMA CITY-PANAMA CITY BEACH, FL | $832,750 | $541,287 | $291,463 |
| Bradford County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Brevard County | PALM BAY-MELBOURNE-TITUSVILLE, FL | $832,750 | $541,287 | $291,463 |
| Broward County | MIAMI-FORT LAUDERDALE-WEST PALM BEACH, FL | $832,750 | $667,000 | $165,750 |
| Calhoun County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Charlotte County | PUNTA GORDA, FL | $832,750 | $541,287 | $291,463 |
| Citrus County | HOMOSASSA SPRINGS, FL | $832,750 | $541,287 | $291,463 |
| Clay County | JACKSONVILLE, FL | $832,750 | $580,750 | $252,000 |
| Collier County | NAPLES-MARCO ISLAND, FL | $832,750 | $764,750 | $68,000 |
| Columbia County | LAKE CITY, FL | $832,750 | $541,287 | $291,463 |
| Desoto County | ARCADIA, FL | $832,750 | $541,287 | $291,463 |
| Dixie County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Duval County | JACKSONVILLE, FL | $832,750 | $580,750 | $252,000 |
| Escambia County | PENSACOLA-FERRY PASS-BRENT, FL | $832,750 | $541,287 | $291,463 |
| Flagler County | DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | $832,750 | $541,287 | $291,463 |
| Franklin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Gadsden County | TALLAHASSEE, FL | $832,750 | $541,287 | $291,463 |
| Gilchrist County | GAINESVILLE, FL | $832,750 | $541,287 | $291,463 |
| Glades County | CLEWISTON, FL | $832,750 | $541,287 | $291,463 |
| Gulf County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hamilton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hardee County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hendry County | CLEWISTON, FL | $832,750 | $541,287 | $291,463 |
| Hernando County | TAMPA-ST. PETERSBURG-CLEARWATER, FL | $832,750 | $541,287 | $291,463 |
| Highlands County | SEBRING, FL | $832,750 | $541,287 | $291,463 |
| Hillsborough County | TAMPA-ST. PETERSBURG-CLEARWATER, FL | $832,750 | $541,287 | $291,463 |
| Holmes County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Indian River County | SEBASTIAN-VERO BEACH-WEST VERO CORRIDOR, FL | $832,750 | $541,287 | $291,463 |
| Jackson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jefferson County | TALLAHASSEE, FL | $832,750 | $541,287 | $291,463 |
| Lafayette County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lake County | ORLANDO-KISSIMMEE-SANFORD, FL | $832,750 | $541,287 | $291,463 |
| Lee County | CAPE CORAL-FORT MYERS, FL | $832,750 | $541,287 | $291,463 |
| Leon County | TALLAHASSEE, FL | $832,750 | $541,287 | $291,463 |
| Levy County | GAINESVILLE, FL | $832,750 | $541,287 | $291,463 |
| Liberty County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Madison County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Manatee County | NORTH PORT-BRADENTON-SARASOTA, FL | $832,750 | $547,400 | $285,350 |
| Marion County | OCALA, FL | $832,750 | $541,287 | $291,463 |
| Martin County | PORT ST. LUCIE, FL | $832,750 | $603,750 | $229,000 |
| Miami-Dade County | MIAMI-FORT LAUDERDALE-WEST PALM BEACH, FL | $832,750 | $667,000 | $165,750 |
| Monroe County | KEY WEST-KEY LARGO, FL | $990,150 | $990,150 | $0 |
| Nassau County | JACKSONVILLE, FL | $832,750 | $580,750 | $252,000 |
| Okaloosa County | CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | $832,750 | $603,750 | $229,000 |
| Okeechobee County | OKEECHOBEE, FL | $832,750 | $541,287 | $291,463 |
| Orange County | ORLANDO-KISSIMMEE-SANFORD, FL | $832,750 | $541,287 | $291,463 |
| Osceola County | ORLANDO-KISSIMMEE-SANFORD, FL | $832,750 | $541,287 | $291,463 |
| Palm Beach County | MIAMI-FORT LAUDERDALE-WEST PALM BEACH, FL | $832,750 | $667,000 | $165,750 |
| Pasco County | TAMPA-ST. PETERSBURG-CLEARWATER, FL | $832,750 | $541,287 | $291,463 |
| Pinellas County | TAMPA-ST. PETERSBURG-CLEARWATER, FL | $832,750 | $541,287 | $291,463 |
| Polk County | LAKELAND-WINTER HAVEN, FL | $832,750 | $541,287 | $291,463 |
| Putnam County | PALATKA, FL | $832,750 | $541,287 | $291,463 |
| St. Johns County | JACKSONVILLE, FL | $832,750 | $580,750 | $252,000 |
| St. Lucie County | PORT ST. LUCIE, FL | $832,750 | $603,750 | $229,000 |
| Santa Rosa County | PENSACOLA-FERRY PASS-BRENT, FL | $832,750 | $541,287 | $291,463 |
| Sarasota County | NORTH PORT-BRADENTON-SARASOTA, FL | $832,750 | $547,400 | $285,350 |
| Seminole County | ORLANDO-KISSIMMEE-SANFORD, FL | $832,750 | $541,287 | $291,463 |
| Sumter County | WILDWOOD-THE VILLAGES, FL | $832,750 | $541,287 | $291,463 |
| Suwannee County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Taylor County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Union County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Volusia County | DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | $832,750 | $541,287 | $291,463 |
| Wakulla County | TALLAHASSEE, FL | $832,750 | $541,287 | $291,463 |
| Walton County | CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | $832,750 | $603,750 | $229,000 |
| Washington County | PANAMA CITY-PANAMA CITY BEACH, FL | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Alachua County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baker County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bradford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brevard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Broward County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Charlotte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Citrus County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Collier County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Desoto County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dixie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Duval County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Escambia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Flagler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gadsden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gilchrist County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glades County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gulf County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hamilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hardee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hendry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hernando County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Highlands County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hillsborough County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Holmes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Indian River County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lafayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Leon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Levy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Liberty County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Manatee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Martin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Miami-Dade County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
| Nassau County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okaloosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okeechobee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orange County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Osceola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Palm Beach County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pasco County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pinellas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Putnam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Johns County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Lucie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Santa Rosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sarasota County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Seminole County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sumter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Suwannee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Taylor County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Volusia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wakulla County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)