2026 limits · 67 counties
Florida 2026 loan limits for duplexes, triplexes and fourplexes
In Florida, the 2026 FHA limit for a fourplex runs from $1,041,125 to $1,904,150. 51 of 67 counties sit at the national floor; the highest is Monroe County. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is $1,601,750 for a fourplex in most of the state and up to $1,904,150 in 1 high-cost county.
$693,050 to $1,267,600FHA, 2 units
$1,041,125 to $1,904,150FHA, 4 units
16counties above FHA's floor
$1,904,150highest conforming limit, 4 units
Every county in Florida
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Alachua County Gainesville, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baker County high-cost Jacksonville, FL | $743,450 | $898,700 | $1,116,850 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bay County Panama City-Panama City Beach, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bradford County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brevard County Palm Bay-Melbourne-Titusville, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Broward County high-cost Miami-Fort Lauderdale-West Palm Beach, FL | $853,900 | $1,032,150 | $1,282,700 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Charlotte County Punta Gorda, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Citrus County Homosassa Springs, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County high-cost Jacksonville, FL | $743,450 | $898,700 | $1,116,850 | $1,066,250 | $1,288,800 | $1,601,750 |
| Collier County high-cost Naples-Marco Island, FL | $979,000 | $1,183,400 | $1,470,700 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia County Lake City, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Desoto County Arcadia, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dixie County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Duval County high-cost Jacksonville, FL | $743,450 | $898,700 | $1,116,850 | $1,066,250 | $1,288,800 | $1,601,750 |
| Escambia County Pensacola-Ferry Pass-Brent, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Flagler County Deltona-Daytona Beach-Ormond Beach, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gadsden County Tallahassee, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gilchrist County Gainesville, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Glades County Clewiston, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gulf County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hamilton County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hardee County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hendry County Clewiston, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hernando County Tampa-St. Petersburg-Clearwater, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Highlands County Sebring, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hillsborough County Tampa-St. Petersburg-Clearwater, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Holmes County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Indian River County Sebastian-Vero Beach-West Vero Corridor, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County Tallahassee, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lafayette County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County Orlando-Kissimmee-Sanford, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County Cape Coral-Fort Myers, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Leon County Tallahassee, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Levy County Gainesville, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Liberty County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Manatee County high-cost North Port-Bradenton-Sarasota, FL | $700,750 | $847,050 | $1,052,700 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County Ocala, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Martin County high-cost Port St. Lucie, FL | $772,900 | $934,250 | $1,161,050 | $1,066,250 | $1,288,800 | $1,601,750 |
| Miami-Dade County high-cost Miami-Fort Lauderdale-West Palm Beach, FL | $853,900 | $1,032,150 | $1,282,700 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County high-cost Key West-Key Largo, FL | $1,267,600 | $1,532,200 | $1,904,150 | $1,267,600 | $1,532,200 | $1,904,150 |
| Nassau County high-cost Jacksonville, FL | $743,450 | $898,700 | $1,116,850 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okaloosa County high-cost Crestview-Fort Walton Beach-Destin, FL | $772,900 | $934,250 | $1,161,050 | $1,066,250 | $1,288,800 | $1,601,750 |
| Okeechobee County Okeechobee, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Orange County Orlando-Kissimmee-Sanford, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Osceola County Orlando-Kissimmee-Sanford, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Palm Beach County high-cost Miami-Fort Lauderdale-West Palm Beach, FL | $853,900 | $1,032,150 | $1,282,700 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pasco County Tampa-St. Petersburg-Clearwater, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pinellas County Tampa-St. Petersburg-Clearwater, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk County Lakeland-Winter Haven, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Putnam County Palatka, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Santa Rosa County Pensacola-Ferry Pass-Brent, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sarasota County high-cost North Port-Bradenton-Sarasota, FL | $700,750 | $847,050 | $1,052,700 | $1,066,250 | $1,288,800 | $1,601,750 |
| Seminole County Orlando-Kissimmee-Sanford, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Johns County high-cost Jacksonville, FL | $743,450 | $898,700 | $1,116,850 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Lucie County high-cost Port St. Lucie, FL | $772,900 | $934,250 | $1,161,050 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sumter County Wildwood-The Villages, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Suwannee County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Taylor County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Volusia County Deltona-Daytona Beach-Ormond Beach, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wakulla County Tallahassee, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Walton County high-cost Crestview-Fort Walton Beach-Destin, FL | $772,900 | $934,250 | $1,161,050 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County Panama City-Panama City Beach, FL | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 51 counties at the floor | $718,186 | $868,082 | $1,078,886 |
| Monroe County | $1,313,575 | $1,587,772 | $1,973,212 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in Florida
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 to $990,150 in Florida. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.