FHA Loan Limits in Monroe County, Florida (2026)
Buying in Monroe County or elsewhere in Monroe County? The 2026 FHA single-family limit across the county is $967,150. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $967,150 |
| Two-unit (duplex) | $1,238,219 |
| Three-unit (triplex) | $1,496,803 |
| Four-unit (fourplex) | $1,860,145 |
From Monroe County to the edges of Monroe County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Miami-Dade and Broward Counties.
FHA affordability around Monroe County
An FHA buyer near Monroe County faces an estimated $840,000 median, a $29,400 down payment, and — after Florida's 0.86% property tax — a monthly cost around $6,169. That suits household income of roughly $239,000, above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Monroe County
FHA payments across Monroe County price points — from entry homes near Monroe County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $605,000 | $21,175 | $4,475 |
| Local median — $840,000 | $29,400 | $6,169 |
| At the FHA limit — $967,150 | $33,850 | $7,085 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Monroe County too — get notified.
First-time buyers make up much of FHA activity in Monroe County and across Monroe County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $29,400 needed on a median Monroe County home.
Multi-unit FHA limits in Monroe County
Monroe County's 2026 multi-unit FHA limits reach $1,238,219 (duplex), $1,496,803 (triplex), and $1,860,145 (fourplex) — so a buyer in Monroe 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 Monroe County for 2026?
- In Monroe County (Monroe County), the 2026 FHA limit is $967,150 for one unit, $1,238,219 for a duplex, $1,496,803 for a triplex, and $1,860,145 for a fourplex.
- What income do I need to buy in Monroe County with FHA?
- For a median-priced ($840,000) Monroe County home, plan on income around $239,000 at a 31% housing ratio — about $6,169/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Monroe County?
- 3.5% with a 580+ score — roughly $29,400 on a $840,000 Monroe County-area home. Gift funds are allowed.
- Is Monroe County a high-cost FHA area?
- Yes — Monroe County's $967,150 one-unit limit tops the $541,287 national floor.