FHA Loan Limits in Miami-Dade County, Florida (2026)
In Miami-Dade County — anchored by Miami-Dade 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 |
From Miami-Dade County to the edges of Miami-Dade County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Broward and Hillsborough Counties.
Affording a home in Miami-Dade County & Miami-Dade County
With Miami-Dade County's median sale price estimated near $590,000 (think Miami-Dade County), the FHA down payment is roughly $18,945. Factoring Florida property taxes near 0.86%, expect about $4,016 monthly, pointing to income near $155,000 — above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Miami-Dade County
Whether you are buying in Miami-Dade County or a smaller Miami-Dade 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 — $425,000 | $14,875 | $3,179 |
| Local median — $541,287 | $18,945 | $4,016 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Miami-Dade County too — get notified.
First-time buyers make up much of FHA activity in Miami-Dade County and across Miami-Dade County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,945 needed on a median Miami-Dade County home.
Multi-unit FHA limits in Miami-Dade County
Investors and house-hackers in Miami-Dade County and across Miami-Dade 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 Miami-Dade County for 2026?
- In Miami-Dade County (Miami-Dade 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 Miami-Dade County with FHA?
- For a median-priced ($541,287) Miami-Dade County home, plan on income around $155,000 at a 31% housing ratio — about $4,016/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Miami-Dade County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Miami-Dade County-area home. Gift funds are allowed.
- Is Miami-Dade County a high-cost FHA area?
- No — Miami-Dade County uses the $541,287 national floor for one unit.