Florida conforming loan limits 2026
Florida has 67 counties. 1 of them sit on a figure above the $832,750 baseline, spread over 1 distinct figure; the highest in the state is $990,150.
1 of its 67 counties qualify for a high-cost figure above the $832,750 baseline. For 2026, the figure moved in 67 of its 67 counties and 0 stayed the same.
Florida ranks 21st of 56 jurisdictions by county count, and 20th by highest limit. Of its counties, 52 sit inside a metropolitan or micropolitan area, across 28 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
Figures used in Florida
- $990,150 — 1 county in Florida
All counties in Florida
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Alachua County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Baker County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bay County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bradford County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Brevard County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Broward County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Calhoun County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Charlotte County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Citrus County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clay County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Collier County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Columbia County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Desoto County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dixie County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Duval County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Escambia County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Flagler County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Franklin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gadsden County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gilchrist County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Glades County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gulf County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hamilton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hardee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hendry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hernando County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Highlands County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hillsborough County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Holmes County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Indian River County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jackson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jefferson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lafayette County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lake County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Leon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Levy County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Liberty County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Madison County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Manatee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Marion County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Martin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Miami-Dade County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Monroe County | $990,150 | $967,150 | $929,200 | +2.4% | none |
| Nassau County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Okaloosa County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Okeechobee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Orange County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Osceola County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Palm Beach County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pasco County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pinellas County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Polk County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Putnam County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Santa Rosa County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sarasota County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Seminole County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| St. Johns County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| St. Lucie County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sumter County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Suwannee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Taylor County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Union County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Volusia County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wakulla County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Walton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Washington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Florida use the baseline conforming loan limit?
No. 1 of 67 counties are above the $832,750 baseline, and the state's highest limit is $990,150.
What counts as a jumbo loan in Florida?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.