Florida FHA and Conforming Loan Limits for 2019

On this page, you’ll find the 2019 loan limits for all Florida counties, in both the conventional conforming and FHA mortgage categories. Any home loan above the maximum size limits listed below is considered a jumbo mortgage. The conforming category is shown below. The FHA table is further down the page.


2019 Conforming Loan Limits for Florida

In November of 2018, federal housing officials announced that they would increase Florida loan limits for 2019, in response to rising home values. This table has been fully updated to include these revised / higher limits.

For most Florida counties, the 2019 conforming loan limit went up to $484,350 (for a single-family home purchase). That’s the “baseline” limit used for most counties across the United States. The one exception is Monroe County, Florida. In that county, the 2019 FHA loan limit will remain at $529,000.

County1-Unit2-Unit3-Unit4-Unit
Monroe$529,000$677,200$818,600$1,017,300
All Other FL Counties$484,350$620,200$749,650$931,600

Note: The “1-unit” column refers to a regular single-family home. The “2-unit” column applies to duplex-style properties, and so on.

It bears repeating: The 2019 conforming loan limit for a single-family home in Florida is $484,350, in all counties except for Monroe. That county has higher limits due to higher home values in the area. These are the maximum loan sizes in the conforming category, which is used by Freddie Mac and Fannie Mae. For FHA lending limits, refer to the next section below.


Florida FHA Limits By County

The Federal Housing Administration (FHA) offers a mortgage-insurance program intended for low- to moderate-income borrowers seeking a modestly priced home. The lending limits for this program vary by county. For most counties in Florida, the 2019 FHA loan limit is $314,827 for a single-family home. A few counties are higher than that. At $529,000, Monroe County has the highest FHA limit for a single-family home purchase.

Here is the complete list of 2019 FHA loan limits for Florida counties:

County1-Family2-Family3-Family4-Family
ALACHUA$314,827$403,125$487,250$605,525
BAKER$358,800$459,300$555,200$690,000
BAY$314,827$403,125$487,250$605,525
BRADFORD$314,827$403,125$487,250$605,525
BREVARD$314,827$403,125$487,250$605,525
BROWARD$356,500$456,350$551,650$685,550
CALHOUN$314,827$403,125$487,250$605,525
CHARLOTTE$314,827$403,125$487,250$605,525
CITRUS$314,827$403,125$487,250$605,525
CLAY$358,800$459,300$555,200$690,000
COLLIER$450,800$577,100$697,600$866,950
COLUMBIA$314,827$403,125$487,250$605,525
DESOTO$314,827$403,125$487,250$605,525
DIXIE$314,827$403,125$487,250$605,525
DUVAL$358,800$459,300$555,200$690,000
ESCAMBIA$314,827$403,125$487,250$605,525
FLAGLER$314,827$403,125$487,250$605,525
FRANKLIN$314,827$403,125$487,250$605,525
GADSDEN$314,827$403,125$487,250$605,525
GILCHRIST$314,827$403,125$487,250$605,525
GLADES$314,827$403,125$487,250$605,525
GULF$314,827$403,125$487,250$605,525
HAMILTON$314,827$403,125$487,250$605,525
HARDEE$314,827$403,125$487,250$605,525
HENDRY$314,827$403,125$487,250$605,525
HERNANDO$314,827$403,125$487,250$605,525
HIGHLANDS$314,827$403,125$487,250$605,525
HILLSBOROUGH$314,827$403,125$487,250$605,525
HOLMES$314,827$403,125$487,250$605,525
INDIAN RIVER$314,827$403,125$487,250$605,525
JACKSON$314,827$403,125$487,250$605,525
JEFFERSON$314,827$403,125$487,250$605,525
LAFAYETTE$314,827$403,125$487,250$605,525
LAKE$314,827$403,125$487,250$605,525
LEE$314,827$403,125$487,250$605,525
LEON$314,827$403,125$487,250$605,525
LEVY$314,827$403,125$487,250$605,525
LIBERTY$314,827$403,125$487,250$605,525
MADISON$314,827$403,125$487,250$605,525
MANATEE$320,850$410,750$496,500$617,000
MARION$314,827$403,125$487,250$605,525
MARTIN$327,750$419,550$507,150$630,300
MIAMI-DADE$356,500$456,350$551,650$685,550
MONROE$529,000$677,200$818,600$1,017,300
NASSAU$358,800$459,300$555,200$690,000
OKALOOSA$370,300$474,050$573,000$712,100
OKEECHOBEE$314,827$403,125$487,250$605,525
ORANGE$314,827$403,125$487,250$605,525
OSCEOLA$314,827$403,125$487,250$605,525
PALM BEACH$356,500$456,350$551,650$685,550
PASCO$314,827$403,125$487,250$605,525
PINELLAS$314,827$403,125$487,250$605,525
POLK$314,827$403,125$487,250$605,525
PUTNAM$314,827$403,125$487,250$605,525
SANTA ROSA$314,827$403,125$487,250$605,525
SARASOTA$320,850$410,750$496,500$617,000
SEMINOLE$314,827$403,125$487,250$605,525
ST. JOHNS$358,800$459,300$555,200$690,000
ST. LUCIE$327,750$419,550$507,150$630,300
SUMTER$314,827$403,125$487,250$605,525
SUWANNEE$314,827$403,125$487,250$605,525
TAYLOR$314,827$403,125$487,250$605,525
UNION$314,827$403,125$487,250$605,525
VOLUSIA$314,827$403,125$487,250$605,525
WAKULLA$314,827$403,125$487,250$605,525
WALTON$370,300$474,050$573,000$712,100
WASHINGTON$314,827$403,125$487,250$605,525

Source: Department of Housing and Urban Development (HUD)

According to HUD, the Florida FHA limits shown above will remain in effect until December 31, 2019. They are reviewed annually and, in some cases, are changed from one year to the next to keep up with rising home prices.

The maximum loan sizes for FHA-insured mortgage loans are based on a percentage of the conforming limits for Florida (which are shown at the top of this page). The conforming caps are based on average and median home prices. So, by extension, the limits for Federal Housing Administration loans are also based on home values within each county. That’s why the limits tend to be higher in those cities and counties with more expensive real estate markets.


Disclaimer: All of the 2019 Florida loan limits shown above were obtained from official government sources. The conforming caps were obtained from the Federal Housing Finance Agency website (www.FHFA.gov). The FHA limits were obtained from the Department of Housing and Urban Development website (www.HUD.gov). We make no guarantees about the accuracy of the data on this page. For the most current and reliable information available, please refer to the official sources mentioned above.