2026 conforming loan limits
2026 conforming loan limits in Florida
Florida has 67 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Florida is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $990,150.
Baseline
66
Special statutory baseline
0
High-cost area
1
Every county/equivalent in Florida
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Alachua County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Baker County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bradford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Brevard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Broward County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Charlotte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Citrus County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Collier County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Columbia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Desoto County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dixie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Duval County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Escambia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Flagler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gadsden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gilchrist County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Glades County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gulf County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hamilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hardee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hendry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hernando County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Highlands County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hillsborough County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Holmes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Indian River County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lafayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Leon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Levy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Liberty County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Manatee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Martin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Miami-Dade County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Monroe County | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 | High-cost area |
| Nassau County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Okaloosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Okeechobee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Orange County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Osceola County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Palm Beach County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pasco County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pinellas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Putnam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Santa Rosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sarasota County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Seminole County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| St. Johns County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| St. Lucie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sumter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Suwannee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Taylor County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Volusia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wakulla County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Walton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to Florida (FL).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for Florida: 67. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
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