FHA Loan Limits in Broward County, Florida (2026)
Broward County and the rest of Broward 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 Broward County to the edges of Broward County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Miami-Dade and Hillsborough Counties.
How much home can you afford in Broward County?
With Broward County's median sale price estimated near $545,000 (think Broward County), the FHA down payment is roughly $18,945. Factoring Florida property taxes near 0.86%, expect about $4,016 monthly, pointing to income near $155,000 — above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Broward County
Whether you are buying in Broward County or a smaller Broward 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 — $392,000 | $13,720 | $2,941 |
| Local median — $541,287 | $18,945 | $4,016 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Broward County too — get notified.
First-time buyers make up much of FHA activity in Broward County and across Broward County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,945 needed on a median Broward County home.
Multi-unit FHA limits in Broward County
Investors and house-hackers in Broward County and across Broward 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.
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Frequently Asked Questions
- What is the FHA loan limit in Broward County for 2026?
- In Broward County (Broward 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 Broward County with FHA?
- For a median-priced ($541,287) Broward County home, plan on income around $155,000 at a 31% housing ratio — about $4,016/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Broward County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Broward County-area home. Gift funds are allowed.
- Is Broward County a high-cost FHA area?
- No — Broward County uses the $541,287 national floor for one unit.