FHA Loan Limits in Florida
The 2026 FHA loan limits for every Florida county, how multi-unit limits work, and what to do when your price tops the cap. Licensed FL FHA mortgage broker NMLS# 1859012.
By Onias Derilus, Mortgage Capital · NMLS# 1859012 · Last Updated: June 2026
FHA loan limits in Florida set the most you can borrow with an FHA-insured mortgage. The cap depends on your county and the number of units. For 2026, most South Florida counties top out at $524,225 for a single-family home, while lower-cost counties sit at $498,257.
FHA Loan Limits by Florida County
HUD sets FHA limits each year based on local home prices. Higher-cost metros get higher caps. The table below shows the 2026 single-family limits for Florida's most active counties.
| County | Single-Family Limit (2026) |
|---|---|
| Palm Beach | $524,225 |
| Broward | $524,225 |
| Miami-Dade | $524,225 |
| St. Lucie | $498,257 |
| Martin | $498,257 |
Single-family 1-unit limits, current for 2026. Limits change annually. Source: HUD.gov.
Higher Limits for 2–4 Unit Homes
FHA limits rise with the number of units. A duplex, triplex, or fourplex carries a higher cap than a single-family home in the same county.
This is the engine behind a popular Florida strategy called house hacking. You buy a 2–4 unit property with 3.5% down, live in one unit, and rent the others. The rental income can help you qualify and can cover much of your payment.
What If My Price Exceeds the FHA Cap?
If your purchase price pushes past the FHA limit, you still have strong options. A larger down payment can bring your loan amount under the cap. Otherwise, conventional or jumbo financing takes over.
Conventional loans carry higher limits, and jumbo loans in Florida handle high-value homes with no agency cap at all. We compare every route so your price never limits your options.
FHA Loan Loan Limits — FAQ
For 2026, the single-family FHA loan limit is $524,225 in Palm Beach, Broward, and Miami-Dade counties, and $498,257 in St. Lucie and Martin counties. Limits are set by HUD and can change each year.
Yes. FHA limits increase with each additional unit, so a 2-to-4 unit property has a higher cap than a single-family home in the same county. This supports house-hacking, where you live in one unit and rent the others with 3.5% down.
You can put more money down to bring the loan amount under the cap, or move to conventional or jumbo financing, which carry higher limits. Mortgage Capital compares all three so a higher price never blocks your purchase.
See How Much FHA Will Lend You
Free FHA pre-approval · 2026 limits by county · Licensed FL FHA broker NMLS# 1859012
Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.