FHA Loan Limits and USDA Eligibility in Okaloosa County, Florida
2026 FHA one-unit limit in Okaloosa County is $603,750. Two-unit is $772,900, three-unit is $934,250, and four-unit is $1,161,050. USDA 502 Guaranteed 1–4 person moderate income is $122,800. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for Florida
USDA Property Eligibility and Income Limits Map for Florida
Okaloosa 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 |
|---|---|---|
| 32531 | $603,750 | $122,800 |
| 32536 | $603,750 | $122,800 |
| 32539 | $603,750 | $122,800 |
| 32541 | $603,750 | $122,800 |
| 32542 | $603,750 | $122,800 |
| 32544 | $603,750 | $122,800 |
| 32547 | $603,750 | $122,800 |
| 32548 | $603,750 | $122,800 |
| 32564 | $603,750 | $122,800 |
| 32567 | $603,750 | $122,800 |
| 32569 | $603,750 | $122,800 |
| 32578 | $603,750 | $122,800 |
| 32579 | $603,750 | $122,800 |
| 32580 | $603,750 | $122,800 |
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Loan Options in Okaloosa County
A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Okaloosa County address. Then they can match you if you qualify.
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