FHA Loan Limits and USDA Eligibility in Florida
2026 FHA one-unit limits in Florida range from $541,287 to $990,150. About 42% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $164,800. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Florida
USDA Property Eligibility and Income Limits Map for Florida
Florida FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Alachua County | $541,287 | $122,800 |
| Baker County | $580,750 | $122,800 |
| Bay County | $541,287 | $122,800 |
| Bradford County | $541,287 | $122,800 |
| Brevard County | $541,287 | $122,800 |
| Broward County | $667,000 | $145,750 |
| Calhoun County | $541,287 | $122,800 |
| Charlotte County | $541,287 | $122,800 |
| Citrus County | $541,287 | $122,800 |
| Clay County | $580,750 | $125,000 |
| Collier County | $764,750 | $122,800 to $139,150 |
| Columbia County | $541,287 | $122,800 |
| DeSoto County | $541,287 | $122,800 |
| Dixie County | $541,287 | $122,800 |
| Duval County | $580,750 | $125,000 |
| Escambia County | $541,287 | $122,800 |
| Flagler County | $541,287 | $122,800 |
| Franklin County | $541,287 | $122,800 |
| Gadsden County | $541,287 | $122,800 |
| Gilchrist County | $541,287 | $122,800 |
| Glades County | $541,287 | $122,800 |
| Gulf County | $541,287 | $122,800 |
| Hamilton County | $541,287 | $122,800 |
| Hardee County | $541,287 | $122,800 |
| Hendry County | $541,287 | $122,800 |
| Hernando County | $541,287 | $131,900 |
| Highlands County | $541,287 | $122,800 |
| Hillsborough County | $541,287 | $131,900 |
| Holmes County | $541,287 | $122,800 |
| Indian River County | $541,287 | $122,800 |
| Jackson County | $541,287 | $122,800 |
| Jefferson County | $541,287 | $122,800 |
| Lafayette County | $541,287 | $122,800 |
| Lake County | $541,287 | $132,100 |
| Lee County | $541,287 | $129,250 |
| Leon County | $541,287 | $122,800 |
| Levy County | $541,287 | $122,800 |
| Liberty County | $541,287 | $122,800 |
| Madison County | $541,287 | $122,800 |
| Manatee County | $547,400 | $131,250 |
| Marion County | $541,287 | $122,800 |
| Martin County | $603,750 | $122,800 |
| Miami-Dade County | $667,000 | $122,800 to $156,650 |
| Monroe County | $990,150 | $164,800 |
| Nassau County | $580,750 | $125,000 |
| Okaloosa County | $603,750 | $122,800 |
| Okeechobee County | $541,287 | $122,800 |
| Orange County | $541,287 | $132,100 |
| Osceola County | $541,287 | $132,100 |
| Palm Beach County | $667,000 | $122,800 to $147,800 |
| Pasco County | $541,287 | $131,900 |
| Pinellas County | $541,287 | $131,900 |
| Polk County | $541,287 | $122,800 |
| Putnam County | $541,287 | $122,800 |
| Santa Rosa County | $541,287 | $122,800 |
| Sarasota County | $547,400 | $131,250 |
| Seminole County | $541,287 | $132,100 |
| St. Johns County | $580,750 | $125,000 |
| St. Lucie County | $603,750 | $122,800 |
| Sumter County | $541,287 | $122,800 |
| Suwannee County | $541,287 | $122,800 |
| Taylor County | $541,287 | $122,800 |
| Union County | $541,287 | $122,800 |
| Volusia County | $541,287 | $122,800 |
| Wakulla County | $541,287 | $122,800 |
| Walton County | $603,750 | $122,800 |
| Washington County | $541,287 | $122,800 |
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