Florida FHA loan limits and maximum mortgage amounts have been adjusted upward for 2025, in response to rising home prices nationwide.
In Florida, the 2025 FHA loan limit for a single-family property will range from $524,225 to $967,150, depending on the county where the home is located.
Most counties across the Sunshine State will have the baseline loan limit of $524,225. The more expensive counties will have higher limits, up to $967,150 in Monroe County (Key West).
Florida FHA Loan Limits Table for 2025
The following table was created using data provided by the U.S. Department of Housing and Urban Development (HUD), which oversees the FHA loan program. It shows the 2025 maximum mortgage amounts for all Florida counties and for all allowable property types.
Note: The “1-family” column applies to a regular single-family home. The “2-family” column applies to duplex properties with two residences, etc.
| County | 1-Family | 2-Family | 3-Family | 4-Family |
| ALACHUA | $524,225 | $671,200 | $811,275 | $1,008,300 |
| BAKER | $580,750 | $743,450 | $898,700 | $1,116,850 |
| BAY | $524,225 | $671,200 | $811,275 | $1,008,300 |
| BRADFORD | $524,225 | $671,200 | $811,275 | $1,008,300 |
| BREVARD | $524,225 | $671,200 | $811,275 | $1,008,300 |
| BROWARD | $654,350 | $837,700 | $1,012,550 | $1,258,400 |
| CALHOUN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CHARLOTTE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CITRUS | $524,225 | $671,200 | $811,275 | $1,008,300 |
| CLAY | $580,750 | $743,450 | $898,700 | $1,116,850 |
| COLLIER | $764,750 | $979,000 | $1,183,400 | $1,470,700 |
| COLUMBIA | $524,225 | $671,200 | $811,275 | $1,008,300 |
| DESOTO | $524,225 | $671,200 | $811,275 | $1,008,300 |
| DIXIE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| DUVAL | $580,750 | $743,450 | $898,700 | $1,116,850 |
| ESCAMBIA | $524,225 | $671,200 | $811,275 | $1,008,300 |
| FLAGLER | $524,225 | $671,200 | $811,275 | $1,008,300 |
| FRANKLIN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| GADSDEN | $524,225 | $671,200 | $811,275 | $1,008,300 |
| GILCHRIST | $524,225 | $671,200 | $811,275 | $1,008,300 |
| GLADES | $524,225 | $671,200 | $811,275 | $1,008,300 |
| GULF | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HAMILTON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HARDEE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HENDRY | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HERNANDO | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HIGHLANDS | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HILLSBOROUGH | $524,225 | $671,200 | $811,275 | $1,008,300 |
| HOLMES | $524,225 | $671,200 | $811,275 | $1,008,300 |
| INDIAN RIVER | $524,225 | $671,200 | $811,275 | $1,008,300 |
| JACKSON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| JEFFERSON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| LAFAYETTE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| LAKE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| LEE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| LEON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| LEVY | $524,225 | $671,200 | $811,275 | $1,008,300 |
| LIBERTY | $524,225 | $671,200 | $811,275 | $1,008,300 |
| MADISON | $524,225 | $671,200 | $811,275 | $1,008,300 |
| MANATEE | $547,400 | $700,750 | $847,050 | $1,052,700 |
| MARION | $524,225 | $671,200 | $811,275 | $1,008,300 |
| MARTIN | $596,850 | $764,050 | $923,600 | $1,147,800 |
| MIAMI-DADE | $654,350 | $837,700 | $1,012,550 | $1,258,400 |
| MONROE | $967,150 | $1,238,150 | $1,496,600 | $1,859,950 |
| NASSAU | $580,750 | $743,450 | $898,700 | $1,116,850 |
| OKALOOSA | $603,750 | $772,900 | $934,250 | $1,161,050 |
| OKEECHOBEE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ORANGE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| OSCEOLA | $524,225 | $671,200 | $811,275 | $1,008,300 |
| PALM BEACH | $654,350 | $837,700 | $1,012,550 | $1,258,400 |
| PASCO | $524,225 | $671,200 | $811,275 | $1,008,300 |
| PINELLAS | $524,225 | $671,200 | $811,275 | $1,008,300 |
| POLK | $524,225 | $671,200 | $811,275 | $1,008,300 |
| PUTNAM | $524,225 | $671,200 | $811,275 | $1,008,300 |
| SANTA ROSA | $524,225 | $671,200 | $811,275 | $1,008,300 |
| SARASOTA | $547,400 | $700,750 | $847,050 | $1,052,700 |
| SEMINOLE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ST. JOHNS | $580,750 | $743,450 | $898,700 | $1,116,850 |
| ST. LUCIE | $596,850 | $764,050 | $923,600 | $1,147,800 |
| SUMTER | $524,225 | $671,200 | $811,275 | $1,008,300 |
| SUWANNEE | $524,225 | $671,200 | $811,275 | $1,008,300 |
| TAYLOR | $524,225 | $671,200 | $811,275 | $1,008,300 |
| UNION | $524,225 | $671,200 | $811,275 | $1,008,300 |
| VOLUSIA | $524,225 | $671,200 | $811,275 | $1,008,300 |
| WAKULLA | $524,225 | $671,200 | $811,275 | $1,008,300 |
| WALTON | $603,750 | $772,900 | $934,250 | $1,161,050 |
| WASHINGTON | $524,225 | $671,200 | $811,275 | $1,008,300 |
A Response to Rising Home Prices
As mentioned above, the FHA loan limits for Florida and the rest of the U.S. were increased due to home-price gains that occurred during 2024.
According to a November 26 news release from HUD:
“Today, the U.S. Department of Housing and Urban Development’s (HUD) Federal Housing Administration (FHA) is announcing new loan limits for calendar year 2025 for its Single Family Title II forward and Home Equity Conversion Mortgage (HECM) mortgage insurance programs. Loan limits for most of the country will increase in the coming year due to the continued appreciation of home prices over the past year.”
In Florida, home prices remained mostly flat during 2024. Some cities, like Sarasota, even experienced a drop in house values during 2024.
But elsewhere across the U.S. prices rose measurably over the past year. Because of this, federal housing officials increased the FHA loan limits nationwide to accommodate borrowers.
In short: Home buyers in Florida will enjoy higher FHA loan limits in 2025, mainly due to price growth that occurred in other parts of the country.
How This Change Affects Florida Home Buyers
At the end of 2024, the median home price for the state of Florida was around $392,000. But the FHA loan limit for single-family homes will go up to $524,225 in 2025, well above the median price point.
As a result, those borrowers who use the FHA mortgage program to buy a home should have plenty of financing capacity without hitting the government-imposed limit.
This sets Florida apart from high-cost areas like San Jose, California, where home prices often exceed FHA loan limits, making the program less practical.
The Right Mortgage Option for You?
FHA loans are insured by the federal government. This insurance protects lenders by compensating them for financial losses that occur when borrowers cannot repay their loans.
In turn, this added layer of protection encourages mortgage lenders to offer flexible requirements for borrowers. FHA loans allow home buyers in Florida to finance up to 96.5% of the purchase price, with a down payment as low as 3.5%.
This program also appeals to borrowers who have had credit-related issues in the past. Borrowers could be eligible for an FHA loan with credit scores as low as 500 (though you’ll need a 580 or higher to qualify for the 3.5% down payment).
But FHA loans aren’t for everyone.
Military members and veterans are often better served by the VA loan program, another form of government-backed mortgage. VA financing allows borrowers to buy a home with zero down payment.
Additionally, home buyers who can afford to make a down payment of 20% or more might be better off using a conventional loan, to avoid mortgage insurance.
All mortgage options have pros and cons. Because of this, we encourage Florida home buyers to do plenty of research and explore all financing strategies.
5 Key Points to Take Away From This
- Florida FHA loan limits have been increased for 2025 due to rising home prices.
- In most counties, the maximum loan amount is $524,225 for a single-family home.
- These caps can vary by county because they are based on median home prices.
- Counties with higher home prices have higher limits, up to $967,150 in the Keys.
- This applies to loans with case numbers assigned on or after January 1, 2025.
Learn more: If you’re thinking about using the FHA loan program when buying a home, download a copy of our handbook. It covers all of the information you need to make smart decisions.
