2024 Florida FHA Loan Limits
For most of Florida the FHA loan limit is the National Limit of $498,257. However, there are many counties where you can get a larger FHA loan. These areas are defined as high-cost areas by the FHFA (Federal Housing Finance Agency). High-Cost areas are defined as counties where 115% of the local median home value exceeds the baseline loan limits. In other words, high-cost areas are where homes get really expensive relative to the rest of the nation. High-cost areas alow for loans larger than the National FHA Limit.
County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
ALACHUA | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
BAKER (FHA High Cost Limit) |
$ 564,650 | $ 722,850 | $ 873,750 | $ 1,085,900 |
BAY | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
BRADFORD | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
BREVARD | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
BROWARD (FHA High Cost Limit) |
$ 621,000 | $ 795,000 | $ 960,950 | $ 1,194,250 |
CALHOUN | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
CHARLOTTE | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
CITRUS | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
CLAY (FHA High Cost Limit) |
$ 564,650 | $ 722,850 | $ 873,750 | $ 1,085,900 |
COLLIER (FHA High Cost Limit) |
$ 730,250 | $ 934,850 | $ 1,130,000 | $ 1,404,350 |
COLUMBIA | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
DESOTO | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
DIXIE | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
DUVAL (FHA High Cost Limit) |
$ 564,650 | $ 722,850 | $ 873,750 | $ 1,085,900 |
ESCAMBIA | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
FLAGLER | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
FRANKLIN | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
GADSDEN | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
GILCHRIST | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
GLADES | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
GULF | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
HAMILTON | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
HARDEE | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
HENDRY | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
HERNANDO | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
HIGHLANDS | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
HILLSBOROUGH | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
HOLMES | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
INDIAN RIVER | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
JACKSON | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
JEFFERSON | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
LAFAYETTE | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
LAKE | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
LEE | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
LEON | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
LEVY | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
LIBERTY | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
MADISON | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
MANATEE (FHA High Cost Limit) |
$ 547,400 | $ 700,750 | $ 847,050 | $ 1,052,700 |
MARION | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
MARTIN (FHA High Cost Limit) |
$ 546,250 | $ 699,300 | $ 845,300 | $ 1,050,500 |
MIAMI-DADE (FHA High Cost Limit) |
$ 621,000 | $ 795,000 | $ 960,950 | $ 1,194,250 |
MONROE (FHA High Cost Limit) |
$ 929,200 | $ 1,189,550 | $ 1,437,900 | $ 1,786,950 |
NASSAU (FHA High Cost Limit) |
$ 564,650 | $ 722,850 | $ 873,750 | $ 1,085,900 |
OKALOOSA (FHA High Cost Limit) |
$ 603,750 | $ 772,900 | $ 934,250 | $ 1,161,050 |
OKEECHOBEE | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
ORANGE | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
OSCEOLA | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
PALM BEACH (FHA High Cost Limit) |
$ 621,000 | $ 795,000 | $ 960,950 | $ 1,194,250 |
PASCO | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
PINELLAS | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
POLK | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
PUTNAM | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
SANTA ROSA | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
SARASOTA (FHA High Cost Limit) |
$ 547,400 | $ 700,750 | $ 847,050 | $ 1,052,700 |
SEMINOLE | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
ST. JOHNS (FHA High Cost Limit) |
$ 564,650 | $ 722,850 | $ 873,750 | $ 1,085,900 |
ST. LUCIE (FHA High Cost Limit) |
$ 546,250 | $ 699,300 | $ 845,300 | $ 1,050,500 |
SUMTER | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
SUWANNEE | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
TAYLOR | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
UNION | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
VOLUSIA | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
WAKULLA | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
WALTON (FHA High Cost Limit) |
$ 603,750 | $ 772,900 | $ 934,250 | $ 1,161,050 |
WASHINGTON | $ 498,257 | $ 637,950 | $ 771,125 | $ 958,350 |
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