FHA Loan Limits in Lee County, Florida (2026)
Buying in Lee County or elsewhere in Lee 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 Lee County, from Lee County outward, and sit alongside the limits set for neighboring Miami-Dade and Broward Counties.
FHA affordability around Lee County
With Lee County's median sale price estimated near $430,000 (think Lee County), the FHA down payment is roughly $15,050. Factoring Florida property taxes near 0.86%, expect about $3,215 monthly, pointing to income near $124,000 — above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Lee County
Here is what an FHA payment looks like at three Lee County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $310,000 | $10,850 | $2,350 |
| Local median — $430,000 | $15,050 | $3,215 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Lee County too — get notified.
In Lee County and the surrounding Lee County market, FHA's appeal is the math: $15,050 down on a $430,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Lee County
Looking at a duplex or fourplex near Lee County? FHA allows up to $692,997 on two units and $1,041,072 on four in Lee County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Lee County for 2026?
- In Lee County (Lee 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 Lee County with FHA?
- For a median-priced ($430,000) Lee County home, plan on income around $124,000 at a 31% housing ratio — about $3,215/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Lee County?
- 3.5% with a 580+ score — roughly $15,050 on a $430,000 Lee County-area home. Gift funds are allowed.
- Is Lee County a high-cost FHA area?
- No — Lee County uses the $541,287 national floor for one unit.