FHA Loan Limits in Alachua County, Florida (2026)
Alachua County and the rest of Alachua County, Florida fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the Southeast.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Alachua County to the edges of Alachua County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Miami-Dade and Broward Counties.
How much home can you afford in Alachua County?
Homes around Alachua County carry an estimated local median near $396,000, so an FHA buyer in Alachua County puts down about $13,860 (3.5%). With Florida's 0.86% effective property-tax rate, the all-in payment runs near $2,970 a month — comfortable on household income around $115,000, above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Alachua County
Whether you are buying in Alachua County or a smaller Alachua County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $285,000 | $9,975 | $2,170 |
| Local median — $396,000 | $13,860 | $2,970 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Alachua County too — get notified.
First-time buyers make up much of FHA activity in Alachua County and across Alachua County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,860 needed on a median Alachua County home.
Multi-unit FHA limits in Alachua County
Investors and house-hackers in Alachua County and across Alachua County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
Be First to Know When FHA Rates Move
Free to join in under 30 seconds. Get notified when it is time to act.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Alachua County for 2026?
- In Alachua County (Alachua County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Alachua County with FHA?
- For a median-priced ($396,000) Alachua County home, plan on income around $115,000 at a 31% housing ratio — about $2,970/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Alachua County?
- 3.5% with a 580+ score — roughly $13,860 on a $396,000 Alachua County-area home. Gift funds are allowed.
- Is Alachua County a high-cost FHA area?
- No — Alachua County uses the $541,287 national floor for one unit.