The FHFA’s 2026 conforming limits are official. Sixty-six of Florida’s 67 counties share one number; the Keys stand alone. Everything above these figures is jumbo territory — here is the full table and what it means for your loan.
Florida has exactly two tiers in 2026. Every county on the mainland and Gulf coast — including Miami-Dade, Broward, Palm Beach, Hillsborough, Pinellas, Orange, Duval, Lee, and Collier — uses the national baseline. Only Monroe County (Key West, Marathon, Islamorada, Key Largo) qualifies as a high-cost area.
| Property type | 66 Florida counties | Monroe County |
|---|---|---|
| 1 unit (single-family) | $832,750 | $990,150 |
| 2 units | $1,066,250 | $1,267,700 |
| 3 units | $1,288,800 | Higher — scaled per FHFA county file (4-unit: $1,904,150) |
| 4 units | $1,601,750 |
Source: FHFA 2026 conforming loan limit values, effective January 1, 2026. A loan even one dollar above the applicable figure is a jumbo loan — in other words, the jumbo loan amount in Florida starts at $832,751 ($990,151 in Monroe).
The baseline rose $26,250 (3.26%) for 2026, tracking the FHFA House Price Index. That increase quietly rescues a band of borrowers: a loan of $820,000 required jumbo financing in 2025 and fits inside conforming today. The recent history:
| Year | Baseline limit |
|---|---|
| 2023 | $726,200 |
| 2024 | $766,550 |
| 2025 | $806,500 |
| 2026 | $832,750 |
The HERA formula compares each county’s median home value to the national baseline: exceed 115% of it and the county earns an elevated limit, capped at 150% of baseline (the 2026 ceiling is $1,249,125, seen in markets like coastal California and the New York metro). The Keys’ island geography, conservation limits on new construction, and second-home demand push Monroe’s medians over that bar. Miami-Dade, Broward, and Palm Beach — expensive as they feel — remain below the threshold, so they stay at $832,750. A common myth on older pages says South Florida’s big counties carry higher conforming limits; for 2026, they do not.
This is the detail that changes decisions near the line. A $1,000,000 purchase with 20% down is an $800,000 loan — conforming. With 10% down it is a $900,000 loan — jumbo. If you sit just above the threshold, three levers can pull you back under it: a modestly larger down payment, a seller credit reallocated toward principal, or a piggyback second lien. Sometimes crossing into jumbo is the better economics anyway — strong borrowers often price competitively there — but it should be a comparison, not an accident. Running that comparison across lenders is exactly what we do; the full picture of programs and qualification lives in our Florida jumbo loan guide.
There is no separate \u201cjumbo limit\u201d \u2014 jumbo is defined by exceeding the conforming limit. For 2026 that means any loan above $832,750 in 66 of Florida's 67 counties, or above $990,150 in Monroe County, is a jumbo loan.
Under the HERA formula, a county whose median home value exceeds 115% of the national baseline earns a higher limit, capped at 150% of baseline. The Keys' constrained geography and premium prices clear that bar; no other Florida county does in 2026.
Yes \u2014 from $806,500 to $832,750, a $26,250 (3.26%) increase tracking national home-price growth. Borrowers who needed jumbo financing at, say, $820,000 in 2025 fit inside conforming in 2026.
Loan amount. A $1,000,000 home with 20% down produces an $800,000 loan and stays conforming. The same home with 10% down produces a $900,000 loan and requires jumbo financing \u2014 which is why down-payment strategy matters near the line.
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