FHA Loan Limits in Clay County, Florida (2026)
From Clay County, FHA buyers in Clay County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Clay County, from Clay County outward, and sit alongside the limits set for neighboring Miami-Dade and Broward Counties.
What can you buy with FHA in Clay County?
An FHA buyer near Clay County faces an estimated $460,000 median, a $16,100 down payment, and — after Florida's 0.86% property tax — a monthly cost around $3,431. That suits household income of roughly $133,000, above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Clay County
FHA payments across Clay County price points — from entry homes near Clay County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $331,000 | $11,585 | $2,501 |
| Local median — $460,000 | $16,100 | $3,431 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Clay County too — get notified.
In Clay County and the surrounding Clay County market, FHA's appeal is the math: $16,100 down on a $460,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Clay County
Clay County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Clay County can live in one unit and rent the rest to offset the mortgage.
Stay Ahead of FHA Rule Changes
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 Clay County for 2026?
- In Clay County (Clay 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 Clay County with FHA?
- For a median-priced ($460,000) Clay County home, plan on income around $133,000 at a 31% housing ratio — about $3,431/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Clay County?
- 3.5% with a 580+ score — roughly $16,100 on a $460,000 Clay County-area home. Gift funds are allowed.
- Is Clay County a high-cost FHA area?
- No — Clay County uses the $541,287 national floor for one unit.