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See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

Current FHA Mortgage Rates in FL - Florida FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Florida Mortgages

2022 FHA Loan Limits for Florida

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2022 FHA loan limits for each county in Florida are below.

County Name One Family Two Family Three Family Four Family
Alachua One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Baker One Family$432,400 Two Family$553,550 Three Family$669,100 Four Family$831,550
Bay One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bradford One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Brevard One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Broward One Family$460,000 Two Family$588,850 Three Family$711,800 Four Family$884,600
Calhoun One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Charlotte One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Citrus One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clay One Family$432,400 Two Family$553,550 Three Family$669,100 Four Family$831,550
Collier One Family$552,000 Two Family$706,650 Three Family$854,200 Four Family$1,061,550
Columbia One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Desoto One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Dixie One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Duval One Family$432,400 Two Family$553,550 Three Family$669,100 Four Family$831,550
Escambia One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Flagler One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Franklin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Gadsden One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Gilchrist One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Glades One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Gulf One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hamilton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hardee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hendry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hernando One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Highlands One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hillsborough One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Holmes One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Indian River One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jackson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jefferson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lafayette One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lake One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Leon One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Levy One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Liberty One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Madison One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Manatee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Marion One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Martin One Family$431,250 Two Family$552,050 Three Family$667,350 Four Family$829,350
Miami-dade One Family$460,000 Two Family$588,850 Three Family$711,800 Four Family$884,600
Monroe One Family$710,700 Two Family$909,800 Three Family$1,099,750 Four Family$1,366,750
Nassau One Family$432,400 Two Family$553,550 Three Family$669,100 Four Family$831,550
Okaloosa One Family$539,350 Two Family$690,450 Three Family$834,600 Four Family$1,037,200
Okeechobee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Orange One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Osceola One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Palm Beach One Family$460,000 Two Family$588,850 Three Family$711,800 Four Family$884,600
Pasco One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pinellas One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Polk One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Putnam One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Santa Rosa One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Sarasota One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Seminole One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
St. Johns One Family$432,400 Two Family$553,550 Three Family$669,100 Four Family$831,550
St. Lucie One Family$431,250 Two Family$552,050 Three Family$667,350 Four Family$829,350
Sumter One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Suwannee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Taylor One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Union One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Volusia One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wakulla One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Walton One Family$539,350 Two Family$690,450 Three Family$834,600 Four Family$1,037,200
Washington One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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