The FHA loan limit is the most you can borrow with an FHA-insured mortgage in a given county, and it is set by HUD each year. If you are shopping in South Florida, the limit can decide which homes fit an FHA budget. For FHA case numbers assigned on or after January 1, 2026, the one-unit limit is $667,000 in Palm Beach, Broward and Miami-Dade counties, and $541,287 in counties that sit at the national floor.
Mortgages Done Right Inc. helps Florida buyers compare FHA loans with conventional, VA and jumbo options from more than 25 wholesale lenders. This guide lists the 2026 limits by county and explains what they mean for the price range you can shop.
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Greg Hayden can review your income, credit and down payment and show you what you may qualify for with FHA, and compare it with other loan options.
2026 FHA Loan Limits in Palm Beach County
Palm Beach County shares its FHA limits with Broward and Miami-Dade counties because HUD sets them for the Miami-Fort Lauderdale-West Palm Beach metro area. The limits depend on the number of units in the home:
| Units | 2026 FHA limit (Palm Beach, Broward and Miami-Dade counties) |
|---|---|
| 1 unit | $667,000 |
| 2 units | $853,900 |
| 3 units | $1,032,150 |
| 4 units | $1,282,700 |
Every city in Palm Beach County uses the same county limit, including Boynton Beach, Boca Raton, Delray Beach, West Palm Beach, Lake Worth Beach, Jupiter, Palm Beach Gardens and Wellington. Broward cities such as Parkland and Coral Springs use the same figures.
FHA Loan Limits for Other Florida Counties
Most Florida counties are at the national floor. The counties HUD lists above the floor for 2026 are shown below, grouped by the limit they share:
| County or counties | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Palm Beach, Broward, Miami-Dade | $667,000 | $853,900 | $1,032,150 | $1,282,700 |
| Monroe (Florida Keys) | $990,150 | $1,267,600 | $1,532,200 | $1,904,150 |
| Collier (Naples) | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| Martin, St. Lucie, Okaloosa, Walton | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Baker, Clay, Duval, Nassau, St. Johns | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Manatee, Sarasota | $547,400 | $700,750 | $847,050 | $1,052,700 |
| All other Florida counties (the national floor) | $541,287 | $693,050 | $837,700 | $1,041,125 |
No Florida county is at the national ceiling of $1,249,125 for a one-unit home. The limits above come from HUD’s Mortgagee Letter 2025-23 (issued December 11, 2025) and HUD’s list of areas above the floor and below the ceiling for calendar year 2026.
What the FHA Loan Limit Means for the Price You Can Pay
The limit applies to the loan amount, not the purchase price. Your down payment sits on top of it, so the home price you can reach is higher than the limit. With the minimum 3.5% down payment (generally available to borrowers with credit scores of 580 or higher), the approximate highest price at the one-unit limit looks like this:
| Where the home is | 1-unit FHA limit | About the highest purchase price with 3.5% down* |
|---|---|---|
| Palm Beach, Broward or Miami-Dade County | $667,000 | $691,000 |
| Martin or St. Lucie County | $603,750 | $626,000 |
| A county at the national floor | $541,287 | $561,000 |
*Approximate. Divides the county limit by 96.5%. Assumes the base loan is at the county limit and ignores closing costs, the appraised value, and financed mortgage insurance. Your actual maximum also depends on your income, debts, credit and the property.
The upfront FHA mortgage insurance premium can generally be financed on top of the base loan amount, but the limit itself applies to the base loan. Review the FHA down payment options for Florida buyers and the full FHA loan requirements in Florida to see how the other pieces fit.
Two- to Four-Unit Homes
FHA can be used to buy a home with up to four units when you will live in one of the units as your primary residence. The higher limits in the tables above apply to those properties, and rental income from the other units may help with qualification under FHA guidelines. Occupancy rules are strict and apply at and after closing. For the full rules, including the extra test for three- and four-unit buildings, see our guide to duplex, triplex and fourplex loans in Florida.
What If the Home Costs More Than the FHA Limit?
If your price range is above the county limit, you still have choices. You can increase your down payment to bring the loan under the limit, or compare other programs. The 2026 baseline conforming loan limit set by the Federal Housing Finance Agency is $832,750 for a one-unit home, and it is higher in some high-cost counties, so a conventional loan may allow a larger loan amount than FHA. Read our comparison of FHA vs. conventional loans in Florida. For loan amounts above conforming limits, see jumbo loan options in Florida.
How to Check Your County Limit and When It Changes
HUD publishes a lookup tool where you can search any county: the HUD FHA mortgage limits search. HUD normally announces limits for the following year in the late fall, and they apply to FHA case numbers assigned on or after January 1. This page reflects the calendar year 2026 limits and was last reviewed in October 2026. If you are buying near the start of 2027, confirm the new limit before you make an offer.
Frequently Asked Questions About FHA Loan Limits in Florida
What is the FHA loan limit in Palm Beach County for 2026?
For 2026, the one-unit FHA loan limit in Palm Beach County is $667,000. The two-, three- and four-unit limits are $853,900, $1,032,150 and $1,282,700.
Does the FHA loan limit include my down payment?
No. The limit applies to the base loan amount. Your down payment is on top of it, so the price of the home you can buy can be higher than the limit.
Can I buy a home above the FHA limit?
You can, but the portion above the limit would need to come from your down payment, or you may want to compare conventional or jumbo financing. The best option depends on your income, credit, down payment and the property.
Is the FHA limit the same in every Florida county?
No. Most Florida counties are at the national floor, while others, including Palm Beach, Broward, Miami-Dade, Monroe and Collier, have higher limits because of local home prices.
Get Your Free FHA Price Range
Speak directly with Greg Hayden to see how the FHA loan limit, your income and your down payment fit together, and to compare FHA with conventional and jumbo options from more than 25 wholesale lenders.
FHA loan limits are set by HUD and can change. Figures shown are the 2026 limits for FHA case numbers assigned on or after January 1, 2026, per HUD Mortgagee Letter 2025-23, and were last reviewed in October 2026. Examples are for illustration and are not a rate quote, loan approval, or commitment to lend. FHA program rules, credit requirements, mortgage insurance, property eligibility and availability vary by lender and scenario. Mortgages Done Right Inc. NMLS #1532755. Greg Hayden NMLS #332209.
