FHA Loan Limits in St. Johns County, Florida (2026)
From St. Johns County, FHA buyers in St. Johns 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 St. Johns County to the edges of St. Johns 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 St. Johns County?
An FHA buyer near St. Johns County faces an estimated $368,000 median, a $12,880 down payment, and — after Florida's 0.86% property tax — a monthly cost around $2,768. That suits household income of roughly $107,000, above Florida's $67,917 median household income, so budget carefully.
FHA payment scenarios in St. Johns County
Here is what an FHA payment looks like at three St. Johns County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $265,000 | $9,275 | $2,026 |
| Local median — $368,000 | $12,880 | $2,768 |
| At the FHA limit — $541,287 | $18,945 | $4,016 |
Estimates include FHA MIP plus Florida property taxes and insurance. Rates move daily near St. Johns County too — get notified.
First-time buyers make up much of FHA activity in St. Johns County and across St. Johns County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $12,880 needed on a median St. Johns County home.
Multi-unit FHA limits in St. Johns County
Looking at a duplex or fourplex near St. Johns County? FHA allows up to $692,997 on two units and $1,041,072 on four in St. Johns 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 St. Johns County for 2026?
- In St. Johns County (St. Johns 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 St. Johns County with FHA?
- For a median-priced ($368,000) St. Johns County home, plan on income around $107,000 at a 31% housing ratio — about $2,768/month including taxes, insurance, and MIP.
- How much is the FHA down payment in St. Johns County?
- 3.5% with a 580+ score — roughly $12,880 on a $368,000 St. Johns County-area home. Gift funds are allowed.
- Is St. Johns County a high-cost FHA area?
- No — St. Johns County uses the $541,287 national floor for one unit.