Florida Conforming Loan Limits by County

2021 Fannie Mae, Freddie Mac conforming and jumbo mortgage loan limits. Popular areas include Jacksonville, Miami, Tampa and Orlando Florida.

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The average homebuyer in Florida is looking for a typical home and mortgage—and knowing conforming loan limits can help guide a buyer to finding generous mortgage terms. The conforming loan is a mortgage that fits the guidelines used by Fannie Mae and Freddie Mac, the federal mortgage companies established by the U.S. Congress to stabilize the housing industry. Through the Federal Housing Finance Agency (FHFA), conforming loan limits maximum dollar amounts established to reflect average home prices—are set annually. As the economy fluctuates, so does the mortgage market, so the FHFA House Price Index offers the broad measurement necessary to show the ebb and flow of a changing market. The FHFA House Price Index provides an exhaustive compilation of housing sales (both new sales and refinances) from all U.S. housing markets to accurately reflect trends.

The combination of the FHFA HPI and Fannie Mae and Freddie Mac standards shape the mortgage industry, offering guidance for standard practices in home lending. By meeting these standards, which vary from state to state, conforming loans often offer a lower interest rate and down payment as well as being easier to qualify for with more generous credit score requirements. For lenders, conforming loans are attractive on the resale market, so they are eager to provide a product that has value with the initial loan and is also a safe investment to be sold in the secondary mortgage market. This means that borrowers have a wider market of potential lenders to choose from, increasing the chance of obtaining the best mortgage terms in Florida.

Conforming loan limits per county for single units.

County

Property tax rate

Conforming limit

Alachua County

1.18%

$548,250

Baker County

0.85%

$548,250

Bay County

0.69%

$548,250

Bradford County

0.84%

$548,250

Brevard County

0.86%

$548,250

Broward County

1.07%

$548,250

Calhoun County

0.65%

$548,250

Charlotte County

1.00%

$548,250

Citrus County

0.78%

$548,250

Clay County

0.85%

$548,250

Collier County

0.69%

$548,250

Columbia County

1.01%

$548,250

DeSoto County

1.28%

$548,250

Dixie County

0.73%

$548,250

Duval County

0.94%

$548,250

Escambia County

0.79%

$548,250

Flagler County

0.90%

$548,250

Franklin County

0.56%

$548,250

Gadsden County

0.87%

$548,250

Gilchrist County

0.82%

$548,250

Glades County

1.08%

$548,250

Gulf County

0.60%

$548,250

Hamilton County

1.01%

$548,250

Hardee County

1.02%

$548,250

Hendry County

1.19%

$548,250

Hernando County

0.87%

$548,250

Highlands County

0.91%

$548,250

Hillsborough County

0.98%

$548,250

Holmes County

0.64%

$548,250

Indian River County

0.81%

$548,250

Jackson County

0.60%

$548,250

Jefferson County

0.90%

$548,250

Lafayette County

0.75%

$548,250

Lake County

0.93%

$548,250

Lee County

0.95%

$548,250

Leon County

0.97%

$548,250

Levy County

0.77%

$548,250

Liberty County

1.03%

$548,250

Madison County

0.91%

$548,250

Manatee County

0.86%

$548,250

Marion County

0.95%

$548,250

Martin County

0.94%

$548,250

Miami-Dade County

0.97%

$548,250

Monroe County

0.67%

$548,250

Nassau County

0.80%

$548,250

Okaloosa County

0.70%

$548,250

Okeechobee County

1.20%

$548,250

Orange County

0.96%

$548,250

Osceola County

0.90%

$548,250

Palm Beach County

1.06%

$548,250

Pasco County

0.90%

$548,250

Pinellas County

0.90%

$548,250

Polk County

0.86%

$548,250

Putnam County

1.10%

$548,250

St. Johns County

0.96%

$548,250

St. Lucie County

1.18%

$548,250

Santa Rosa County

0.73%

$548,250

Sarasota County

0.84%

$548,250

Seminole County

0.88%

$548,250

Sumter County

0.93%

$548,250

Suwannee County

0.95%

$548,250

Taylor County

0.92%

$548,250

Union County

0.76%

$548,250

Volusia County

0.94%

$548,250

Wakulla County

0.76%

$548,250

Walton County

0.53%

$548,250

Washington County

0.63%

$548,250

County

Tax Rate

Limit

Alachua County

1.18%

$548,250

Baker County

0.85%

$548,250

Bay County

0.69%

$548,250

Bradford County

0.84%

$548,250

Brevard County

0.86%

$548,250

Broward County

1.07%

$548,250

Calhoun County

0.65%

$548,250

Charlotte County

1.00%

$548,250

Citrus County

0.78%

$548,250

Clay County

0.85%

$548,250

Collier County

0.69%

$548,250

Columbia County

1.01%

$548,250

DeSoto County

1.28%

$548,250

Dixie County

0.73%

$548,250

Duval County

0.94%

$548,250

Escambia County

0.79%

$548,250

Flagler County

0.90%

$548,250

Franklin County

0.56%

$548,250

Gadsden County

0.87%

$548,250

Gilchrist County

0.82%

$548,250

Glades County

1.08%

$548,250

Gulf County

0.60%

$548,250

Hamilton County

1.01%

$548,250

Hardee County

1.02%

$548,250

Hendry County

1.19%

$548,250

Hernando County

0.87%

$548,250

Highlands County

0.91%

$548,250

Hillsborough County

0.98%

$548,250

Holmes County

0.64%

$548,250

Indian River County

0.81%

$548,250

Jackson County

0.60%

$548,250

Jefferson County

0.90%

$548,250

Lafayette County

0.75%

$548,250

Lake County

0.93%

$548,250

Lee County

0.95%

$548,250

Leon County

0.97%

$548,250

Levy County

0.77%

$548,250

Liberty County

1.03%

$548,250

Madison County

0.91%

$548,250

Manatee County

0.86%

$548,250

Marion County

0.95%

$548,250

Martin County

0.94%

$548,250

Miami-Dade County

0.97%

$548,250

Monroe County

0.67%

$548,250

Nassau County

0.80%

$548,250

Okaloosa County

0.70%

$548,250

Okeechobee County

1.20%

$548,250

Orange County

0.96%

$548,250

Osceola County

0.90%

$548,250

Palm Beach County

1.06%

$548,250

Pasco County

0.90%

$548,250

Pinellas County

0.90%

$548,250

Polk County

0.86%

$548,250

Putnam County

1.10%

$548,250

St. Johns County

0.96%

$548,250

St. Lucie County

1.18%

$548,250

Santa Rosa County

0.73%

$548,250

Sarasota County

0.84%

$548,250

Seminole County

0.88%

$548,250

Sumter County

0.93%

$548,250

Suwannee County

0.95%

$548,250

Taylor County

0.92%

$548,250

Union County

0.76%

$548,250

Volusia County

0.94%

$548,250

Wakulla County

0.76%

$548,250

Walton County

0.53%

$548,250

Washington County

0.63%

$548,250

The conforming loan limit in Jacksonville Florida is $548,250.
The conforming loan limit in Miami Florida is $548,250.
The conforming loan limit in Tampa Florida is $548,250.
The conforming loan limit in Orlando Florida is $548,250.
The conforming loan limit in St. Petersburg Florida is $548,250.

Get started with a purchase or refinance mortgage loan today in Florida.

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