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.
| County | 1-Unit | 2-Unit | 3-Unit | 4-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:
| County | 1-Family | 2-Family | 3-Family | 4-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.