FHA Loan Limits Florida 2026: Limits by County
Here are the FHA loan limits Florida 2026 buyers need to know for Northeast Florida. FHA limits cap the loan amount, not the purchase price, and they are set by HUD each year by county.
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What Are the 2026 FHA Loan Limits in Northeast Florida? Quick Answer
For FHA case numbers assigned on or after January 1, 2026, the one-unit FHA loan limit is $580,750 in the Jacksonville metro counties: Duval, St. Johns, Clay, Nassau and Baker. Most other Florida counties, including Flagler (Palm Coast), use the national floor of $541,287. Limits are higher for 2 to 4 unit homes. For comparison, the 2026 conforming limit for conventional loans is $832,750 in nearly every Florida county.
FHA Loan Limits Florida 2026: Northeast Florida Counties
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Duval (Jacksonville, Beaches) | $580,750 | $743,450 | $898,700 | $1,116,850 |
| St. Johns (St. Augustine, Nocatee, Ponte Vedra) | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Clay (Orange Park, Fleming Island) | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Nassau (Fernandina Beach, Yulee) | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Baker (Macclenny) | $580,750 | $743,450 | $898,700 | $1,116,850 |
| Flagler (Palm Coast) and most Florida counties | $541,287 | $693,050 | $837,700 | $1,041,125 |
Source: HUD FHA mortgage limits for calendar year 2026. Confirm your county on HUD’s FHA mortgage limits lookup before you apply.
What the FHA Limit Means for Your Price Range
The limit applies to your loan, not the home’s price. You can buy above the limit by bringing a larger down payment so the loan stays under your county’s cap. If you need to borrow more, a conventional loan (up to $832,750 in 2026) or a VA loan may fit better.
FHA vs Conventional Limits in 2026
| Loan type | Jacksonville metro 1-unit limit |
|---|---|
| FHA | $580,750 |
| Conventional (conforming) | $832,750 |
Learn more about FHA loans in Florida and Florida first-time homebuyer programs.
Frequently Asked Questions
Is the FHA limit the same across Northeast Florida?
Yes for Duval, St. Johns, Clay, Nassau and Baker, which share the Jacksonville metro limit. Flagler uses the lower national floor.
Do FHA limits change every year?
Usually. HUD announces new limits late each year for the following calendar year.
Can I use FHA for a duplex?
Yes, for 2 to 4 unit homes when you live in one unit as your primary residence, up to the multi-unit limits above.
Serving all of Florida, including Jacksonville, St Augustine, Nocatee, Ponte Vedra Beach, Fernandina Beach and Palm Coast.
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Apply online or call Sam Gorniak at (904) 687-9274.
Saverio (Sam) Gorniak, NMLS #1954721. Atlantic Trust Mortgage, NMLS #239592. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Programs, limits and terms may change without notice. This page is general information, not tax or legal advice.