Florida FHA Loan Limits
2026 FHA Loan Limits in Florida
Compare Florida FHA loan limit tiers for 1-unit through 4-unit properties, understand local buying-power implications, and open the main FHA lookup prefiltered for Florida.
State Tier
Mixed standard and high-cost areas
1-Unit Standard Floor
$541,287
1-Unit High-Cost Ceiling
$1,249,125
Special Exception Max
$1,873,687
Florida FHA Limit Tier Context
Some counties may use the standard FHA floor while higher-cost counties can qualify for elevated limits up to the high-cost ceiling.
Some counties follow standard FHA limits while higher-cost counties may qualify for elevated FHA limits.
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Last reviewed: June 18, 2026.
2026 FHA Limits for Florida Planning
The table below shows the 2026 FHA floor, high-cost ceiling, special exception maximum, and the state tier most relevant to Florida. Exact county limits may fall between floor and ceiling in mixed-cost states.
| Property Type | Standard Floor | High-Cost Ceiling | Special Exception | Florida Planning Tier |
|---|---|---|---|---|
| 1-Unit | $541,287 | $1,249,125 | $1,873,687 | $1,249,125 |
| 2-Unit | $693,050 | $1,599,375 | $2,399,050 | $1,599,375 |
| 3-Unit | $837,700 | $1,933,200 | $2,899,800 | $1,933,200 |
| 4-Unit | $1,041,125 | $2,402,625 | $3,603,925 | $2,402,625 |
What Florida FHA Buyers Should Know
Lower effective property taxes can support payment flexibility in some scenarios.
Homestead exemptions may reduce taxable value for eligible owner-occupied homes.