Florida FHA and Conforming Loan Limits for 2017

On this page, you’ll find the 2017 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.


2017 Conforming Loan Limits for Florida

Update: On November 23, federal housing officials announced that they would increase Florida loan limits for 2017, in response to rising home values. This table has been fully updated to include these revised / higher limits.

For most Florida counties, the 2017 conforming loan limit is $424,100 for a single-family home. This is the “baseline” limit used for most counties across the United States. There are two exceptions to this general rule — Collier and Monroe counties. The state’s highest cap for 2017 can be found in Monroe County, Florida, which has a single-family loan limit of $529,000.

County 1-Family 2-Family 3-Family 4-Family
Collier $450,800 $577,100 $697,600 $866,950
Monroe $529,000 $677,200 $818,600 $1,017,300
All Other FL Counties $424,100 $543,000 $656,350 $815,650

Source: Federal Housing Finance Agency

It bears repeating: The 2017 conforming loan limit for a single-family home in Florida is $424,100, in all counties except for Collier and Monroe. Those two exceptions have their own limits, due to higher home prices in those areas. 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 2017 FHA loan limit is $275,665 for a single-family home. A few counties are higher than that. At $529,000, Monroe County has the highest one-family FHA limit.2017

Here is the complete list of 2017 FHA loan limits for Florida counties:

County One-Family Two-Family Three-Family Four-Family
ALACHUA $275,665 $352,950 $426,625 $530,150
BAKER $330,050 $422,500 $510,700 $634,700
BAY $275,665 $352,950 $426,625 $530,150
BRADFORD $275,665 $352,950 $426,625 $530,150
BREVARD $275,665 $352,950 $426,625 $530,150
BROWARD $345,000 $441,650 $533,850 $663,450
CALHOUN $275,665 $352,950 $426,625 $530,150
CHARLOTTE $275,665 $352,950 $426,625 $530,150
CITRUS $275,665 $352,950 $426,625 $530,150
CLAY $330,050 $422,500 $510,700 $634,700
COLLIER $450,800 $577,100 $697,600 $866,950
COLUMBIA $275,665 $352,950 $426,625 $530,150
DESOTO $275,665 $352,950 $426,625 $530,150
DIXIE $275,665 $352,950 $426,625 $530,150
DUVAL $330,050 $422,500 $510,700 $634,700
ESCAMBIA $275,665 $352,950 $426,625 $530,150
FLAGLER $275,665 $352,950 $426,625 $530,150
FRANKLIN $275,665 $352,950 $426,625 $530,150
GADSDEN $275,665 $352,950 $426,625 $530,150
GILCHRIST $275,665 $352,950 $426,625 $530,150
GLADES $275,665 $352,950 $426,625 $530,150
GULF $275,665 $352,950 $426,625 $530,150
HAMILTON $275,665 $352,950 $426,625 $530,150
HARDEE $275,665 $352,950 $426,625 $530,150
HENDRY $275,665 $352,950 $426,625 $530,150
HERNANDO $275,665 $352,950 $426,625 $530,150
HIGHLANDS $275,665 $352,950 $426,625 $530,150
HILLSBOROUGH $275,665 $352,950 $426,625 $530,150
HOLMES $275,665 $352,950 $426,625 $530,150
INDIAN RIVER $275,665 $352,950 $426,625 $530,150
JACKSON $275,665 $352,950 $426,625 $530,150
JEFFERSON $275,665 $352,950 $426,625 $530,150
LAFAYETTE $275,665 $352,950 $426,625 $530,150
LAKE $277,150 $354,800 $428,850 $532,950
LEE $275,665 $352,950 $426,625 $530,150
LEON $275,665 $352,950 $426,625 $530,150
LEVY $275,665 $352,950 $426,625 $530,150
LIBERTY $275,665 $352,950 $426,625 $530,150
MADISON $275,665 $352,950 $426,625 $530,150
MANATEE $287,500 $368,050 $444,900 $552,900
MARION $275,665 $352,950 $426,625 $530,150
MARTIN $316,250 $404,850 $489,350 $608,150
MIAMI-DADE $345,000 $441,650 $533,850 $663,450
MONROE $529,000 $677,200 $818,600 $1,017,300
NASSAU $330,050 $422,500 $510,700 $634,700
OKALOOSA $341,550 $437,250 $528,500 $656,800
OKEECHOBEE $275,665 $352,950 $426,625 $530,150
ORANGE $277,150 $354,800 $428,850 $532,950
OSCEOLA $277,150 $354,800 $428,850 $532,950
PALM BEACH $345,000 $441,650 $533,850 $663,450

Source: Department of Housing and Urban Development (HUD)

According to HUD, the Florida FHA limits shown above will remain in effect until December 31, 2017. They are reviewed annually and, in some cases, are changed from one year to the next.


Maximum FHA Loan Sizes, by Metro Area

For your convenience, here are the 2017 FHA loan limits for the largest metro areas in Florida:

Metro Area 1-Family 2-Family 3-Family 4-Family
Miami-Fort Lauderdale-West Palm Beach $345,000 $441,650 $533,850 $663,450
Tampa-St. Petersburg-Clearwater $275,665 $352,950 $426,625 $530,150
Orlando-kissimmee-Sanford $277,150 $354,800 $428,850 $532,950
Jacksonville $330,050 $422,500 $510,700 $634,700

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 home prices. So, by extension, the limits for Federal Housing Administration loans are also based on home prices.

That’s why the limits are higher in the Miami, Florida metro area — property values are higher in that area (on average). This methodology is applied to all of the counties shown above as well.

The highest 2017 FHA limit in the entire state of Florida occurs in Monroe County (Key West area). In that county, the single-family cap is $529,000, significantly higher than all other counties in the state. The four-unit loan limit for Monroe County is a whopping $1,017,300, making it the only county in the state with a 7-figure cap in this category.

Disclaimer: All of the 2017 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.