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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in FL - Florida FHA Mortgage

Florida Mortgages

2024 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 2024 FHA loan limits for each county in Florida are below.

Select County
County Name One Family Two Family Three Family Four Family
Alachua One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Baker One Family$580,750 Two Family$743,450 Three Family$898,700 Four Family$1,116,850
Bay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bradford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Brevard One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Broward One Family$654,350 Two Family$837,700 Three Family$1,012,550 Four Family$1,258,400
Calhoun One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Charlotte One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Citrus One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clay One Family$580,750 Two Family$743,450 Three Family$898,700 Four Family$1,116,850
Collier One Family$764,750 Two Family$979,000 Three Family$1,183,400 Four Family$1,470,700
Columbia One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Desoto One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dixie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Duval One Family$580,750 Two Family$743,450 Three Family$898,700 Four Family$1,116,850
Escambia One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Flagler One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gadsden One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gilchrist One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Glades One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gulf One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hamilton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hardee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hendry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hernando One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Highlands One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hillsborough One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Holmes One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Indian River One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lafayette One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lake One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Leon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Levy One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Liberty One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Madison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Manatee One Family$547,400 Two Family$700,750 Three Family$847,050 Four Family$1,052,700
Marion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Martin One Family$596,850 Two Family$764,050 Three Family$923,600 Four Family$1,147,800
Miami-dade One Family$654,350 Two Family$837,700 Three Family$1,012,550 Four Family$1,258,400
Monroe One Family$967,150 Two Family$1,238,150 Three Family$1,496,600 Four Family$1,859,950
Nassau One Family$580,750 Two Family$743,450 Three Family$898,700 Four Family$1,116,850
Okaloosa One Family$603,750 Two Family$772,900 Three Family$934,250 Four Family$1,161,050
Okeechobee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Orange One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Osceola One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Palm Beach One Family$654,350 Two Family$837,700 Three Family$1,012,550 Four Family$1,258,400
Pasco One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pinellas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Polk One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Putnam One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Santa Rosa One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sarasota One Family$547,400 Two Family$700,750 Three Family$847,050 Four Family$1,052,700
Seminole One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
St. Johns One Family$580,750 Two Family$743,450 Three Family$898,700 Four Family$1,116,850
St. Lucie One Family$596,850 Two Family$764,050 Three Family$923,600 Four Family$1,147,800
Sumter One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Suwannee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Taylor One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Union One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Volusia One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wakulla One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Walton One Family$603,750 Two Family$772,900 Three Family$934,250 Four Family$1,161,050
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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