Florida FHA Loan Limits 2022
The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.
You’ll notice that most Florida counties have an FHA Loan Limit of 420,680 for a single-family home. Higher-priced areas of Florida such as Collier, Monroe, Okaloosa, and Walton County all have FHA Loan Limits above 500,000 due to higher home values.
See the table below for 2022 FHA Loan Limits in all Florida Counties.
2022 FHA Loan Limits for All Florida Counties
The table below contains the 2022 FHA Loan limits for all counties in Florida, listed in alphabetical order. In this table, “1 unit” refers to a single-family home, “2 unit” refers to a duplex-style home with two separate residents, and so on.
| County | 1 unit | 2 units | 3 units | 4 units |
| ALACHUA | $420,680 | $538,650 | $651,050 | $809,150 |
| BAKER | $432,400 | $553,550 | $669,100 | $831,550 |
| BAY | $420,680 | $538,650 | $651,050 | $809,150 |
| BRADFORD | $420,680 | $538,650 | $651,050 | $809,150 |
| BREVARD | $420,680 | $538,650 | $651,050 | $809,150 |
| BROWARD | $460,000 | $588,850 | $711,800 | $884,600 |
| CALHOUN | $420,680 | $538,650 | $651,050 | $809,150 |
| CHARLOTTE | $420,680 | $538,650 | $651,050 | $809,150 |
| CITRUS | $420,680 | $538,650 | $651,050 | $809,150 |
| CLAY | $432,400 | $553,550 | $669,100 | $831,550 |
| COLLIER | $552,000 | $706,650 | $854,200 | $1,061,550 |
| COLUMBIA | $420,680 | $538,650 | $651,050 | $809,150 |
| DESOTO | $420,680 | $538,650 | $651,050 | $809,150 |
| DIXIE | $420,680 | $538,650 | $651,050 | $809,150 |
| DUVAL | $432,400 | $553,550 | $669,100 | $831,550 |
| ESCAMBIA | $420,680 | $538,650 | $651,050 | $809,150 |
| FLAGLER | $420,680 | $538,650 | $651,050 | $809,150 |
| FRANKLIN | $420,680 | $538,650 | $651,050 | $809,150 |
| GADSDEN | $420,680 | $538,650 | $651,050 | $809,150 |
| GILCHRIST | $420,680 | $538,650 | $651,050 | $809,150 |
| GLADES | $420,680 | $538,650 | $651,050 | $809,150 |
| GULF | $420,680 | $538,650 | $651,050 | $809,150 |
| HAMILTON | $420,680 | $538,650 | $651,050 | $809,150 |
| HARDEE | $420,680 | $538,650 | $651,050 | $809,150 |
| HENDRY | $420,680 | $538,650 | $651,050 | $809,150 |
| HERNANDO | $420,680 | $538,650 | $651,050 | $809,150 |
| HIGHLANDS | $420,680 | $538,650 | $651,050 | $809,150 |
| HILLSBOROUGH | $420,680 | $538,650 | $651,050 | $809,150 |
| HOLMES | $420,680 | $538,650 | $651,050 | $809,150 |
| INDIAN RIVER | $420,680 | $538,650 | $651,050 | $809,150 |
| JACKSON | $420,680 | $538,650 | $651,050 | $809,150 |
| JEFFERSON | $420,680 | $538,650 | $651,050 | $809,150 |
| LAFAYETTE | $420,680 | $538,650 | $651,050 | $809,150 |
| LAKE | $420,680 | $538,650 | $651,050 | $809,150 |
| LEE | $420,680 | $538,650 | $651,050 | $809,150 |
| LEON | $420,680 | $538,650 | $651,050 | $809,150 |
| LEVY | $420,680 | $538,650 | $651,050 | $809,150 |
| LIBERTY | $420,680 | $538,650 | $651,050 | $809,150 |
| MADISON | $420,680 | $538,650 | $651,050 | $809,150 |
| MANATEE | $420,680 | $538,650 | $651,050 | $809,150 |
| MARION | $420,680 | $538,650 | $651,050 | $809,150 |
| MARTIN | $431,250 | $552,050 | $667,350 | $829,350 |
| MIAMI-DADE | $460,000 | $588,850 | $711,800 | $884,600 |
| MONROE | $710,700 | $909,800 | $1,099,750 | $1,366,750 |
| NASSAU | $432,400 | $553,550 | $669,100 | $831,550 |
| OKALOOSA | $539,350 | $690,450 | $834,600 | $1,037,200 |
| OKEECHOBEE | $420,680 | $538,650 | $651,050 | $809,150 |
| ORANGE | $420,680 | $538,650 | $651,050 | $809,150 |
| OSCEOLA | $420,680 | $538,650 | $651,050 | $809,150 |
| PALM BEACH | $460,000 | $588,850 | $711,800 | $884,600 |
| PASCO | $420,680 | $538,650 | $651,050 | $809,150 |
| PINELLAS | $420,680 | $538,650 | $651,050 | $809,150 |
| POLK | $420,680 | $538,650 | $651,050 | $809,150 |
| PUTNAM | $420,680 | $538,650 | $651,050 | $809,150 |
| SANTA ROSA | $420,680 | $538,650 | $651,050 | $809,150 |
| SARASOTA | $420,680 | $538,650 | $651,050 | $809,150 |
| SEMINOLE | $420,680 | $538,650 | $651,050 | $809,150 |
| ST. JOHNS | $432,400 | $553,550 | $669,100 | $831,550 |
| ST. LUCIE | $431,250 | $552,050 | $667,350 | $829,350 |
| SUMTER | $420,680 | $538,650 | $651,050 | $809,150 |
| SUWANNEE | $420,680 | $538,650 | $651,050 | $809,150 |
| TAYLOR | $420,680 | $538,650 | $651,050 | $809,150 |
| UNION | $420,680 | $538,650 | $651,050 | $809,150 |
| VOLUSIA | $420,680 | $538,650 | $651,050 | $809,150 |
| WAKULLA | $420,680 | $538,650 | $651,050 | $809,150 |
| WALTON | $539,350 | $690,450 | $834,600 | $1,037,200 |
| WASHINGTON | $420,680 | $538,650 | $651,050 | $809,150 |
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