What is the FHA loan limit in Florida?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
For 2025 the FHA loan limit in most Florida counties is $524,225 for a single-family home. Higher-cost counties like Monroe (the Keys) carry larger limits.
If your price exceeds the FHA limit, a conventional or jumbo loan is the alternative. We'll confirm the exact limit for the county you're buying in and whether FHA still fits your purchase.
Limits vary by county
FHA sets loan limits by county, and they change each year. Most Florida counties follow the national floor, while higher-cost areas like Monroe County (the Keys) get a larger limit.
For 2026, the FHA floor in most of Florida sits well above $500,000 for a single-family home, with pricier counties reaching higher.
What to do if you need more
If your price exceeds the FHA limit for your county, you can put more money down to fit under the cap or look at a conventional or jumbo loan instead.
We track the current limits for all 67 Florida counties. Reach out and we will tell you the exact FHA limit where you plan to buy and map your options.