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Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

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$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Baker One Family$564,650 Two Family$722,850 Three Family$873,750 Four Family$1,085,900
Bay One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bradford One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Brevard One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Broward One Family$621,000 Two Family$795,000 Three Family$960,950 Four Family$1,194,250
Calhoun One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Charlotte One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Citrus One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clay One Family$564,650 Two Family$722,850 Three Family$873,750 Four Family$1,085,900
Collier One Family$730,250 Two Family$934,850 Three Family$1,130,000 Four Family$1,404,350
Columbia One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Desoto One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dixie One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Duval One Family$564,650 Two Family$722,850 Three Family$873,750 Four Family$1,085,900
Escambia One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Flagler One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Franklin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gadsden One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gilchrist One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Glades One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gulf One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hamilton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hardee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hendry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hernando One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Highlands One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hillsborough One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Holmes One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Indian River One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jefferson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lafayette One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lake One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Leon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Levy One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Liberty One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Madison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Manatee One Family$547,400 Two Family$700,750 Three Family$847,050 Four Family$1,052,700
Marion One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Martin One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Miami-dade One Family$621,000 Two Family$795,000 Three Family$960,950 Four Family$1,194,250
Monroe One Family$929,200 Two Family$1,189,550 Three Family$1,437,900 Four Family$1,786,950
Nassau One Family$564,650 Two Family$722,850 Three Family$873,750 Four Family$1,085,900
Okaloosa One Family$603,750 Two Family$772,900 Three Family$934,250 Four Family$1,161,050
Okeechobee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Orange One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Osceola One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Palm Beach One Family$621,000 Two Family$795,000 Three Family$960,950 Four Family$1,194,250
Pasco One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pinellas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Polk One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Putnam One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Santa Rosa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sarasota One Family$547,400 Two Family$700,750 Three Family$847,050 Four Family$1,052,700
Seminole One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
St. Johns One Family$564,650 Two Family$722,850 Three Family$873,750 Four Family$1,085,900
St. Lucie One Family$546,250 Two Family$699,300 Three Family$845,300 Four Family$1,050,500
Sumter One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Suwannee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Taylor One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Union One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Volusia One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wakulla One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Walton One Family$603,750 Two Family$772,900 Three Family$934,250 Four Family$1,161,050
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350

Mortgage Rates by State

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