2023 Florida Loan Limits by County
Conforming, HB Conforming & FHA loan limits
(Area Median Income limits for HomeReady Included)

The 2023 National Conforming Loan Limit is $726,200.
Florida's Monroe county has a higher loan limit, refered to as "High Balance" Conforming Limit of $874,000.
Florida has an FHA loan limit of $472,030 and many counties have "High Balance" limits as high as $874,000 in Monroe County.
The 2023 HECM "Home Equity Conversion Mortgage" limit is $970,800

2023 Florida Loan Limits by County | Conforming | High Balance Conforming | FHA | High Balance FHA | See Notes Below for VA Loans
Florida County Limits	2023 Conforming & HB Conforming Loan Limits by Florida County (GSE 1-unit limit)	2023 FHA & High Balance FHA Loan Limits by Florida County (1-unit)	Area Median Income	HomeReady AMI Income 80% Limit	120% High Cost Area
Alachua	$726,200	$472,030	$83,800	$67,400	n/a
Baker	$726,200	$526,700 is the 2023 High Balance FHA Loan Limit	$93,100	$74,480	n/a
Bay	$726,200	$472,030	$78,700	$62,960	n/a
Bradford	$726,200	$472,030	$66,400	$53,120	n/a
Brevard	$726,200	$472,030	$89,600	$71,680	n/a
Broward	$726,200	$557,750 is the 2023 High Balance FHA Loan Limit	$84,500	$67,600	n/a
Calhoun	$726,200	$472,030	$68,400	$54,720	n/a
Charlotte	$726,200	$472,030	$89,400	$71,520	n/a
Citrus	$726,200	$472,030	$70,500	$56,400	n/a
Clay	$726,200	$526,700 is the 2023 High Balance FHA Loan Limit	$93,100	$74,480	n/a
Collier	$726,200	$672,750 is the 2023 High Balance FHA Loan Limit	$100,700	$80,560	n/a
Columbia	$726,200	$472,030	$79,100	$63,280	n/a
DeSoto	$726,200	$472,030	$65,800	$52,640	n/a
Dixie	$726,200	$472,030	$65,800	$52,650	n/a
Duval	$726,200	$526,700 is the 2023 High Balance FHA Loan Limit	$93,100	$74,480	n/a
Escambia	$726,200	$472,030	$83,900	$67,120	n/a
Flagler	$726,200	$472,030	$79,400	$63,520	n/a
Franklin	$726,200	$472,030	$67,200	$53,760	n/a
Gadsden	$726,200	$472,030	$91,700	$73,360	n/a
Gilchrist	$726,200	$472,030	$83,800	$67,040	n/a
Glades	$726,200	$472,030	$65,800	$52,640	n/a
Gulf	$726,200	$472,030	$80,100	$64,080	n/a
Hamilton	$726,200	$472,030	$65,800	$52,640	n/a
Hardee	$726,200	$472,030	$65,800	$52,640	n/a
Hendry	$726,200	$472,030	$65,800	$52,640	n/a
Hernando	$726,200	$472,030	$89,400	$71,520	n/a
Highlands	$726,200	$472,030	$67,400	$53,920	n/a
Hillsborough	$726,200	$472,030	$89,400	$71,520	n/a
Holmes	$726,200	$472,030	$68,500	$54,800	n/a
Indian River	$726,200	$472,030	$79,200	$63,360	n/a
Jackson	$726,200	$472,030	$65,800	$52,640	n/a
Jefferson	$726,200	$472,030	$91,700	$73,360	n/a
Lafayette	$726,200	$472,030	$63,800	$51,040	n/a
Lake	$726,200	$472,030	$85,700	$68,560	n/a
Lee	$726,200	$472,030	$85,900	$68,720	n/a
Leon	$726,200	$472,030	$91,700	$73,360	n/a
Levy	$726,200	$472,030	$83,800	$67,040	n/a
Liberty	$726,200	$472,030	$65,800	$52,640	n/a
Madison	$726,200	$472,030	$65,800	$52,640	n/a
Manatee	$726,200	$506,000 is the 2023 High Balance FHA Loan Limit	$89,400	$71,520	n/a
Marion	$726,200	$472,030	$71,700	$57,360	n/a
Martin	$726,200	$500,250 is the 2023 High Balance FHA Loan Limit	$84,800	$67,840	n/a
Miami-Dade	$726,200	$557,750 is the 2023 High Balance FHA Loan Limit	$84,500	$67,600	n/a
Monroe	$874,000 is the 2023 High Balance Conforming Limit	$874,000 is the 2023 High Balance FHA Loan Limit	$97,100	$77,680	$116,520
Nassau	$726,200	$526,700 is the 2023 High Balance FHA Loan Limit	$93,100	$74,480	n/a
Okaloosa	$726,200	$603,750 is the 2023 High Balance FHA Loan Limit	$96,900	$77,520	n/a
Okeechobee	$726,200	$472,030	$65,800	$52,640	n/a
Orange	$726,200	$472,030	$85,700	$68,560	n/a
Osceola	$726,200	$472,030	$96,900	$77,520	n/a
Palm Beach	$726,200	$557,750 is the 2023 High Balance FHA Loan Limit	$84,500	$67,600	n/a
Pasco	$726,200	$472,030	$89,400	$71,520	n/a
Pinellas	$726,200	$472,030	$89,400	$71,520	n/a
Polk	$726,200	$472,030	$74,300	$59,440	n/a
Putnam	$726,200	$472,030	$65,800	$52,640	n/a
St. Johns	$726,200	$526,700 is the 2023 High Balance FHA Loan Limit	$93,100	$74,480	n/a
St. Lucie	$726,200	$500,250 is the 2023 High Balance FHA Loan Limit	$84,800	$67,840	n/a
Santa Rosa	$726,200	$472,030	$83,900	$67,120	n/a
Sarasota	$726,200	$472,030	$98,700	$78,960	n/a
Seminole	$726,200	$472,030	$85,700	$68,560	n/a
Sumter	$726,200	$472,030	$90,400	$72,320	n/a
Suwannee	$726,200	$472,030	$65,800	$52,640	n/a
Taylor	$726,200	$472,030	$65,800	$52,640	n/a
Union	$726,200	$472,030	$72,800	$58,240	n/a
Volusia	$726,200	$472,030	$79,400	$63,520	n/a
Wakulla	$726,200	$472,030	$91,700	$73,360	n/a
Walton	$726,200	$603,750 is the 2023 High Balance FHA Loan Limit	$96,900	$77,520	n/a
Washington	$726,200	$472,200	$65,800	$52,640	n/a

NOTE: As of January 1, 2020, veterans seeking to obtain what are commonly referred to as jumbo loans, or Veterans living in higher-cost markets, will no longer be subject to the Federally-established VA loan limit aka Conforming loan limit maximums. This means veterans may obtain no-down payment VA-backed loans in all areas of the country, regardless of home prices.

Note: Loan limits still apply for those who have more than one active VA loan, only partial entitlement available or those who have defaulted on a previous loan.

2023 Florida Loan Limits by CountyConforming, HB Conforming & FHA loan limits(Area Median Income limits for HomeReady Included)

2023 Florida Loan Limits by County
Conforming, HB Conforming & FHA loan limits
(Area Median Income limits for HomeReady Included)