FHA Loan Limits and USDA Eligibility in Hillsborough County, Florida

2026 FHA one-unit limit in Hillsborough County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $131,900. 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

Hillsborough 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
33503$541,287$131,900
33510$541,287$131,900
33511$541,287$131,900
33527$541,287$131,900
33530$541,287$131,900
33534$541,287$131,900
33540$541,287$131,900
33547$541,287$122,800 to $131,900
33548$541,287$131,900
33549$541,287$131,900
33550$541,287$131,900
33556$541,287$131,900
33558$541,287$131,900
33559$541,287$131,900
33563$541,287$131,900
33565$541,287$131,900
33566$541,287$131,900
33567$541,287$131,900
33568$541,287$131,900
33569$541,287$131,900
33570$541,287$131,900
33572$541,287$131,900
33573$541,287$131,900
33578$541,287$131,900
33579$541,287$131,900
33583$541,287$131,900
33584$541,287$131,900
33586$541,287$131,900
33587$541,287$131,900
33592$541,287$131,900
33594$541,287$131,900
33595$541,287$131,900
33596$541,287$131,900
33598$541,287$131,250 to $131,900
33601$541,287$131,900
33602$541,287$131,900
33603$541,287$131,900
33604$541,287$131,900
33605$541,287$131,900
33606$541,287$131,900
33607$541,287$131,900
33609$541,287$131,900
33610$541,287$131,900
33611$541,287$131,900
33612$541,287$131,900
33613$541,287$131,900
33614$541,287$131,900
33615$541,287$131,900
33616$541,287$131,900
33617$541,287$131,900
33618$541,287$131,900
33619$541,287$131,900
33620$541,287$131,900
33622$541,287$131,900
33623$541,287$131,900
33624$541,287$131,900
33625$541,287$131,900
33626$541,287$131,900
33629$541,287$131,900
33630$541,287$131,900
33634$541,287$131,900
33635$541,287$131,900
33637$541,287$131,900
33647$541,287$131,900
33677$541,287$131,900
33679$541,287$131,900
33684$541,287$131,900
33810$541,287$122,800 to $131,900
34269$541,287$122,800

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

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