FHA Loan Limits in Florida for 2026: County-by-County Guide
FHA loan limits in Florida for 2026 vary by county and are set annually by HUD. South Florida’s coastal counties qualify for significantly higher limits than inland markets, giving buyers in Palm Beach, Broward, and Miami-Dade more FHA borrowing power than most of the state.
2026 FHA loan limits by South Florida county
- Palm Beach County: $776,400 (single-family)
- Miami-Dade County: $776,400 (single-family)
- Broward County: $621,900 (single-family)
- Martin County: $621,900
- St. Lucie County: $524,225 (national floor)
- Monroe County (Florida Keys): $966,800 (high-cost)
- Highlands County: $524,225 (national floor)
What the FHA limit means for your purchase
The limit caps the loan amount, not the purchase price. To buy a home above the county FHA limit, you either bring a larger down payment to reduce the loan below the ceiling, or you switch to conventional financing. At the $776,400 Palm Beach County limit with 3.5% down, maximum purchase price is approximately $804,000.
Multi-unit FHA limits in Florida
FHA supports 2–4 unit properties when the buyer occupies one unit as a primary residence. Duplex FHA limits run approximately 28% above single-family limits. This house-hacking strategy lets buyers enter the market with 3.5% down on an income-producing asset. See FHA loan limits for Palm Beach County specifically for detailed qualification requirements.
For personalized guidance on buying or selling in South Florida, contact the team at Pure Equity Realty. We serve Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties with expert representation and a 1% listing fee.
Onias Derilus is the Broker/Owner of Pure Equity Realty, a South Florida brokerage specializing in 1% listing commissions and free buyer representation across Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties. He holds an NMLS mortgage originator license and founded Mortgage Capital and Verified Title to serve clients through every step of the transaction.