FHA Loan Limits and USDA Eligibility in Pasco County, Florida

2026 FHA one-unit limit in Pasco 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

Pasco 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
33523$541,287$131,900
33524$541,287$131,900
33525$541,287$131,900
33526$541,287$131,900
33537$541,287$131,900
33539$541,287$131,900
33540$541,287$131,900
33541$541,287$131,900
33542$541,287$131,900
33543$541,287$131,900
33544$541,287$131,900
33545$541,287$131,900
33548$541,287$131,900
33549$541,287$131,900
33556$541,287$131,900
33558$541,287$131,900
33559$541,287$131,900
33574$541,287$131,900
33576$541,287$131,900
33593$541,287$131,900
34610$541,287$131,900
34637$541,287$131,900
34638$541,287$131,900
34639$541,287$131,900
34652$541,287$131,900
34653$541,287$131,900
34654$541,287$131,900
34655$541,287$131,900
34667$541,287$131,900
34668$541,287$131,900
34669$541,287$131,900
34679$541,287$131,900
34680$541,287$131,900
34690$541,287$131,900
34691$541,287$131,900

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

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