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FL
Florida
2024 Loan Rules & Limits
📊 Loan Limits (2024)
Conforming Limit
$862,500
FHFA single-family baseline
FHA Floor
$862,500
HUD single-family baseline
High-Cost Area: Parts of Florida may qualify for loan limits up to $1,149,825. Check with your lender for county-specific limits.
💰 Tax Climate
State Income Tax
No
No state income tax
🏛️ State Housing Agency
Florida HFA
Available Programs
- FL HFA First Mortgage
- FL Assist DPA
📋 Lending Notes
Monroe County (Florida Keys) has the highest FHA limit. No state income tax is a major draw. Flood insurance is a significant consideration — especially in coastal areas.
Loan limits effective January 1, 2024. Actual limits vary by county. Always verify current limits with your lender or at hud.gov and fhfa.gov.