What Is the FHA Loan Limit in Monroe County?

The 2026 FHA one-unit cap in Monroe County is $990,150. Two-unit is $1,267,600, three-unit is $1,532,200, and four-unit is $1,904,150. Limits are set by county. The property address picks the county when a ZIP lists more than one.

Are USDA Loans Available in Monroe County?

USDA property eligibility is the street address, not the county. Monroe County is not scored as eligible or ineligible as a whole. Enter a ZIP on the property eligibility map, then confirm a specific address with a lender.

What Is the USDA Income Limit in Monroe County?

USDA 502 Guaranteed 1–4 person moderate income in Monroe County is $164,800. The 5–8 person figure is $217,550. Enter a ZIP to confirm the figure for a specific area.

Does a County Decide USDA Property Eligibility?

No. USDA scores the property address. This page lists FHA 1–4 unit caps and USDA 502 Guaranteed moderate income figures that appear in Monroe County. Income can split a county. Neither figure marks the county as USDA eligible or ineligible.

FHA Loan Limits and USDA Eligibility in Monroe County, Florida

2026 FHA one-unit limit in Monroe County is $990,150. Two-unit is $1,267,600, three-unit is $1,532,200, and four-unit is $1,904,150. USDA 502 Guaranteed 1–4 person moderate income is $164,800. 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

Monroe 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.

ZIP	FHA one-unit loan limit	USDA 1–4 person moderate income
33001	$990,150	$164,800
33036	$990,150	$164,800
33037	$990,150	$164,800
33040	$990,150	$164,800
33042	$990,150	$164,800
33043	$990,150	$164,800
33050	$990,150	$164,800
33051	$990,150	$164,800
33070	$990,150	$164,800

Connect with a lender to confirm FHA loan limits, USDA income limits, and a specific Monroe County address. Only a lender can confirm official program requirements.

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Loan Options in Monroe County

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

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Florida FHA limits and USDA eligibility FHA loan limits map USDA property eligibility map USDA income limits map FHA loan program USDA loan program