FHA Loan Limits in Leon County, Florida (2026)
Buying in Leon County or elsewhere in Leon 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 Leon County, from Leon County outward, and sit alongside the limits set for neighboring Miami-Dade and Broward Counties.
FHA affordability around Leon County
An FHA buyer near Leon County faces an estimated $440,000 median, a $15,400 down payment, and — after Florida's 0.86% property tax — a monthly cost around $3,287. That suits household income of roughly $127,000, above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Leon County
FHA payments across Leon County price points — from entry homes near Leon County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $317,000 | $11,095 | $2,401 |
| Local median — $440,000 | $15,400 | $3,287 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Leon County too — get notified.
In Leon County and the surrounding Leon County market, FHA's appeal is the math: $15,400 down on a $440,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Leon County
Leon County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Leon 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 Leon County for 2026?
- In Leon County (Leon 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 Leon County with FHA?
- For a median-priced ($440,000) Leon County home, plan on income around $127,000 at a 31% housing ratio — about $3,287/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Leon County?
- 3.5% with a 580+ score — roughly $15,400 on a $440,000 Leon County-area home. Gift funds are allowed.
- Is Leon County a high-cost FHA area?
- No — Leon County uses the $541,287 national floor for one unit.