FHA Loan Limits and USDA Eligibility in Duval County, Florida

2026 FHA one-unit limit in Duval County is $580,750. Two-unit is $743,450, three-unit is $898,700, and four-unit is $1,116,850. USDA 502 Guaranteed 1–4 person moderate income is $125,000. Enter a ZIP on the maps. USDA scores the property address, not the county.

2026 FHA Loan Limits Map for Florida

Florida one-unit limits:
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+

USDA Property Eligibility and Income Limits Map for Florida

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EligibleIneligibleUSDA ineligible boundary

Duval County FHA Loan Limits and USDA Income

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.

ZIPFHA one-unit loan limitUSDA 1–4 person moderate income
32050$580,750$125,000
32073$580,750$125,000
32081$580,750$125,000
32099$580,750$125,000
32202$580,750$125,000
32203$580,750$125,000
32204$580,750$125,000
32205$580,750$125,000
32206$580,750$125,000
32207$580,750$125,000
32208$580,750$125,000
32209$580,750$125,000
32210$580,750$125,000
32211$580,750$125,000
32212$580,750$125,000
32214$580,750$125,000
32216$580,750$125,000
32217$580,750$125,000
32218$580,750$125,000
32219$580,750$125,000
32220$580,750$125,000
32221$580,750$125,000
32222$580,750$125,000
32223$580,750$125,000
32224$580,750$125,000
32225$580,750$125,000
32226$580,750$125,000
32227$580,750$125,000
32228$580,750$125,000
32229$580,750$125,000
32233$580,750$125,000
32234$580,750$122,800 to $125,000
32236$580,750$125,000
32238$580,750$125,000
32239$580,750$125,000
32241$580,750$125,000
32244$580,750$125,000
32245$580,750$125,000
32246$580,750$125,000
32250$580,750$125,000
32254$580,750$125,000
32256$580,750$125,000
32257$580,750$125,000
32258$580,750$125,000
32259$580,750$125,000
32266$580,750$125,000
32277$580,750$125,000
34442$580,750$122,800
34452$580,750$122,800
34464$580,750$122,800

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A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Duval County address. Then they can match you if you qualify.

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