FHA Loan Limits in Hillsborough County, Florida (2026)
In Hillsborough County — anchored by Hillsborough 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 |
Every community in Hillsborough County — Hillsborough County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Miami-Dade and Broward Counties.
Affording a home in Hillsborough County & Hillsborough County
With Hillsborough County's median sale price estimated near $400,000 (think Hillsborough County), the FHA down payment is roughly $14,000. Factoring Florida property taxes near 0.86%, expect about $2,999 monthly, pointing to income near $116,000 — above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Hillsborough County
FHA payments across Hillsborough County price points — from entry homes near Hillsborough County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $288,000 | $10,080 | $2,192 |
| Local median — $400,000 | $14,000 | $2,999 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Hillsborough County too — get notified.
Buyers across Hillsborough County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $14,000 down payment near Hillsborough County into little out of pocket.
Multi-unit FHA limits in Hillsborough County
Hillsborough County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Hillsborough County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Hillsborough County for 2026?
- In Hillsborough County (Hillsborough 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 Hillsborough County with FHA?
- For a median-priced ($400,000) Hillsborough County home, plan on income around $116,000 at a 31% housing ratio — about $2,999/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Hillsborough County?
- 3.5% with a 580+ score — roughly $14,000 on a $400,000 Hillsborough County-area home. Gift funds are allowed.
- Is Hillsborough County a high-cost FHA area?
- No — Hillsborough County uses the $541,287 national floor for one unit.