FHA Loan Limits in Palm Beach County, Florida (2026)
From Palm Beach County, FHA buyers in Palm Beach County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Palm Beach County to the edges of Palm Beach County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Miami-Dade and Broward Counties.
What can you buy with FHA in Palm Beach County?
With Palm Beach County's median sale price estimated near $520,000 (think Palm Beach County), the FHA down payment is roughly $18,200. Factoring Florida property taxes near 0.86%, expect about $3,863 monthly, pointing to income near $150,000 — above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Palm Beach County
FHA payments across Palm Beach County price points — from entry homes near Palm Beach County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $374,000 | $13,090 | $2,811 |
| Local median — $520,000 | $18,200 | $3,863 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Palm Beach County too — get notified.
First-time buyers make up much of FHA activity in Palm Beach County and across Palm Beach County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,200 needed on a median Palm Beach County home.
Multi-unit FHA limits in Palm Beach County
Palm Beach County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Palm Beach 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 Palm Beach County for 2026?
- In Palm Beach County (Palm Beach 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 Palm Beach County with FHA?
- For a median-priced ($520,000) Palm Beach County home, plan on income around $150,000 at a 31% housing ratio — about $3,863/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Palm Beach County?
- 3.5% with a 580+ score — roughly $18,200 on a $520,000 Palm Beach County-area home. Gift funds are allowed.
- Is Palm Beach County a high-cost FHA area?
- No — Palm Beach County uses the $541,287 national floor for one unit.