FHA loan limits and USDA eligibility for ZIP 33040 — Key West, FL

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks unlikely here, so FHA is listed first.

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2026 FHA loan limits

Monroe County

1-unit

$990,150

2-unit

$1,267,600

3-unit

$1,532,200

4-unit

$1,904,150

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USDA property eligibility

Likely not eligible

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Monroe County

1–4 person household income limit

$164,800

5–8 person household income limit

$217,550

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Confirm loan options for this ZIP

Maps and ZIP lookups are a first look. A licensed lender can confirm the address, income, and the official cap.

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Loan options for 33040

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

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FAQ for ZIP 33040

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