FHA Loan Limits in Duval County, Florida (2026)
Buying in Duval County or elsewhere in Duval County? The 2026 FHA single-family limit across the county 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 Duval County, from Duval County outward, and sit alongside the limits set for neighboring Miami-Dade and Broward Counties.
FHA affordability around Duval County
Homes around Duval County carry an estimated local median near $330,000, so an FHA buyer in Duval County puts down about $11,550 (3.5%). With Florida's 0.86% effective property-tax rate, the all-in payment runs near $2,494 a month — comfortable on household income around $97,000, above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Duval County
Whether you are buying in Duval County or a smaller Duval 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 — $238,000 | $8,330 | $1,831 |
| Local median — $330,000 | $11,550 | $2,494 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Duval County too — get notified.
In Duval County and the surrounding Duval County market, FHA's appeal is the math: $11,550 down on a $330,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Duval County
Investors and house-hackers in Duval County and across Duval 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 Duval County for 2026?
- In Duval County (Duval 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 Duval County with FHA?
- For a median-priced ($330,000) Duval County home, plan on income around $97,000 at a 31% housing ratio — about $2,494/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Duval County?
- 3.5% with a 580+ score — roughly $11,550 on a $330,000 Duval County-area home. Gift funds are allowed.
- Is Duval County a high-cost FHA area?
- No — Duval County uses the $541,287 national floor for one unit.