FHA Loan Limits in Brevard County, Florida (2026)
In Brevard County — anchored by Brevard County — the 2026 FHA loan limit for a single-family home is $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 |
These 2026 limits apply throughout Brevard County, from Brevard County outward, and sit alongside the limits set for neighboring Miami-Dade and Broward Counties.
Affording a home in Brevard County & Brevard County
An FHA buyer near Brevard County faces an estimated $390,000 median, a $13,650 down payment, and — after Florida's 0.86% property tax — a monthly cost around $2,926. That suits household income of roughly $113,000, above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Brevard County
Here is what an FHA payment looks like at three Brevard County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $281,000 | $9,835 | $2,141 |
| Local median — $390,000 | $13,650 | $2,926 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Brevard County too — get notified.
In Brevard County and the surrounding Brevard County market, FHA's appeal is the math: $13,650 down on a $390,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Brevard County
Looking at a duplex or fourplex near Brevard County? FHA allows up to $692,997 on two units and $1,041,072 on four in Brevard County, with the same low 3.5% down for owner-occupants.
Never Miss an FHA Rate Change
One quick signup and we keep you posted on FHA rate drops, new programs, and requirement changes.
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 Brevard County for 2026?
- In Brevard County (Brevard 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 Brevard County with FHA?
- For a median-priced ($390,000) Brevard County home, plan on income around $113,000 at a 31% housing ratio — about $2,926/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Brevard County?
- 3.5% with a 580+ score — roughly $13,650 on a $390,000 Brevard County-area home. Gift funds are allowed.
- Is Brevard County a high-cost FHA area?
- No — Brevard County uses the $541,287 national floor for one unit.