FHA Loan Limits in Pinellas County, Florida (2026)
In Pinellas County — anchored by Pinellas 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 Pinellas County to the edges of Pinellas County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Miami-Dade and Broward Counties.
Affording a home in Pinellas County & Pinellas County
With Pinellas County's median sale price estimated near $400,000 (think Pinellas County), the FHA down payment is roughly $14,000. Factoring Florida property taxes near 0.86%, expect about $2,999 monthly, pointing to income near $116,000 — above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in Pinellas County
Here is what an FHA payment looks like at three Pinellas County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $288,000 | $10,080 | $2,192 |
| Local median — $400,000 | $14,000 | $2,999 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near Pinellas County too — get notified.
First-time buyers make up much of FHA activity in Pinellas County and across Pinellas County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $14,000 needed on a median Pinellas County home.
Multi-unit FHA limits in Pinellas County
Looking at a duplex or fourplex near Pinellas County? FHA allows up to $692,997 on two units and $1,041,072 on four in Pinellas 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 Pinellas County for 2026?
- In Pinellas County (Pinellas 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 Pinellas County with FHA?
- For a median-priced ($400,000) Pinellas County home, plan on income around $116,000 at a 31% housing ratio — about $2,999/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pinellas County?
- 3.5% with a 580+ score — roughly $14,000 on a $400,000 Pinellas County-area home. Gift funds are allowed.
- Is Pinellas County a high-cost FHA area?
- No — Pinellas County uses the $541,287 national floor for one unit.