2026 FHA loan limits  ·  Licensed in NJ · CT · FL  ·  NMLS #1630225

2026 FHA Loan Limits — New Jersey, Connecticut, and Florida by County

The 2026 FHA loan limits run from $541,287 in most counties to $1,249,125 in the highest-cost ones, and the county the house sits in is what decides which figure you get. Every county and planning region we lend in is listed below. These are HUD’s numbers, and they are not the conforming limits.

Last updated August 2026 · reviewed by a licensed mortgage broker

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The Short Answer

What Are the 2026 FHA Loan Limits?

The 2026 FHA loan limits run from a national floor of $541,287 to a national ceiling of $1,249,125 on a one-unit home. Which one you get is decided by the county the property sits in — not your income, not your credit score, and not which lender you use. HUD set these on January first, 2026.

Most counties in the country sit at the floor. A smaller number of high-cost counties sit at the ceiling, and some land in between. All three happen in the states we lend in, which is why what follows is county by county.

New Jersey

2026 FHA Loan Limits in New Jersey by County

New Jersey has the widest spread of the three states we lend in. Twelve of its twenty-one counties sit at the national ceiling and three sit at the national floor, so crossing a county line can move your limit by more than seven hundred thousand dollars on the same house.

FHA Limit (One Unit) New Jersey Counties
$1,249,125 Bergen, Essex, Hudson, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, and Union
$730,250 Atlantic and Cape May
$630,200 Burlington, Camden, Gloucester, and Salem
$541,287 Cumberland, Mercer, and Warren

Connecticut

2026 FHA Loan Limits in Connecticut by Planning Region

Connecticut is not published by county, and that trips people up. The state replaced its counties with nine planning regions for federal statistical purposes, and HUD followed. Search for a Connecticut county limit and you will not find one.

FHA Limit (One Unit) Connecticut Planning Region
$977,500 Greater Bridgeport and Western Connecticut
$541,287 Capitol, Lower Connecticut River Valley, Naugatuck Valley, Northeastern Connecticut, Northwest Hills, South Central Connecticut, and Southeastern Connecticut

Two regions carry the higher figure. The other seven are at the floor. Greater Bridgeport and Western Connecticut take in the Fairfield County towns, which is the answer most people are actually after when they search for a Fairfield County FHA limit.

Florida

2026 FHA Loan Limits in Florida by County

Florida runs the other way. Most of the state is at the national floor, with the higher limits concentrated in the Keys and along the southeast coast.

FHA Limit (One Unit) Florida Counties
$990,150 Monroe (the Florida Keys)
$764,750 Collier
$667,000 Broward, Miami-Dade, and Palm Beach
$603,750 Martin, Okaloosa, St. Lucie, and Walton
$580,750 Baker, Clay, Duval, Nassau, and St. Johns
$547,400 Manatee and Sarasota
$541,287 the remaining fifty-one counties

Not the Same Table

FHA Limits Are Not Conforming Limits

This is the most common mistake on the subject and it is an expensive one. FHA limits come from HUD. Conforming limits — the ones governing conventional loans bought by Fannie Mae and Freddie Mac — come from the Federal Housing Finance Agency. Two agencies, two tables, and a county can be high-cost under one and ordinary under the other.

Naugatuck Valley is the clearest case. Under the conforming rules it is high-cost at $851,000. Under FHA it is an ordinary floor region at $541,287. Read the wrong table and you are off by more than three hundred thousand dollars.

What makes it genuinely confusing is that the two tables agree in places. Greater Bridgeport and Western Connecticut are $977,500 under both. Monroe County, Florida is $990,150 under both. Agreement in one county is not a rule, so check the table that matches the loan you are actually applying for.

Two to Four Units

Two-, Three-, and Four-Unit Properties

The limits rise with the unit count. A two-to-four unit property you live in yourself is still owner-occupied FHA financing, so the three and a half percent down payment applies exactly as it would on a single-family home. That surprises people, and it is one of the few ways to buy a small multi-family with that little down.

New Jersey

One Unit Two Units Three Units Four Units
$1,249,125 $1,599,375 $1,933,200 $2,402,625
$730,250 $934,850 $1,130,000 $1,404,350
$630,200 $806,750 $975,200 $1,211,950
$541,287 $693,050 $837,700 $1,041,125

Connecticut

One Unit Two Units Three Units Four Units
$977,500 $1,251,400 $1,512,650 $1,879,850
$541,287 $693,050 $837,700 $1,041,125

Florida

One Unit Two Units Three Units Four Units
$990,150 $1,267,600 $1,532,200 $1,904,150
$764,750 $979,000 $1,183,400 $1,470,700
$667,000 $853,900 $1,032,150 $1,282,700
$603,750 $772,900 $934,250 $1,161,050
$580,750 $743,450 $898,700 $1,116,850
$547,400 $700,750 $847,050 $1,052,700
$541,287 $693,050 $837,700 $1,041,125

Over the Limit

What If the House Costs More Than the Limit?

The limit caps the loan, not the price. You can buy above it by covering the difference in cash on top of your down payment, and people do it all the time.

When the gap is too big for that, the alternatives are a conventional loan, which runs on the separate and generally higher conforming table, or a jumbo loan above that. Which is cheaper is not obvious — it turns on your credit score and how much you are putting down — so price all three before you assume FHA is the affordable one. It often is. It is not always.

Not sure which county limit applies to the house you are buying?
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Common Questions Answered

2026 FHA Loan Limits — Frequently Asked Questions

What is the 2026 FHA loan limit in New Jersey?
It depends on the county, and New Jersey has the widest spread of the three states we lend in. Twelve counties sit at the national ceiling of $1,249,125 for a one-unit home: Bergen, Essex, Hudson, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, and Union. Atlantic and Cape May are at $730,250. Burlington, Camden, Gloucester, and Salem are at $630,200. Cumberland, Mercer, and Warren sit at the national floor of $541,287.
What is the 2026 FHA loan limit in Connecticut?
Connecticut is published by planning region rather than by county, because the state replaced its counties with nine planning regions for federal statistical purposes. Two regions carry the higher limit of $977,500 on a one-unit home: Greater Bridgeport and Western Connecticut, which take in the Fairfield County towns. The other seven regions are all at the national floor of $541,287. If you are searching by county name you will not find your figure, and that is why.
What is the 2026 FHA loan limit in Florida?
Monroe County, the Florida Keys, is the highest in the state at $990,150 for one unit. Collier is $764,750. Broward, Miami-Dade, and Palm Beach are $667,000. Martin, Okaloosa, St. Lucie, and Walton are $603,750. Baker, Clay, Duval, Nassau, and St. Johns are $580,750. Manatee and Sarasota are $547,400. The remaining fifty-one counties sit at the national floor of $541,287.
Is the FHA loan limit the same as the conforming loan limit?
No, and assuming they are the same is the most common mistake on this subject. They are two different tables published by two different agencies. Naugatuck Valley in Connecticut is the clearest example: it is $851,000 under the conforming rules and $541,287 under FHA, so a borrower who reads the conforming figure could be off by more than three hundred thousand dollars. The two tables do agree in places, which is what makes it confusing. Greater Bridgeport and Western Connecticut are $977,500 under both.
What is the national FHA floor and ceiling for 2026?
The floor is $541,287 and the ceiling is $1,249,125 for a one-unit home. The floor is what most counties in the country get. The ceiling applies in designated high-cost areas, and no county exceeds it. Every county in America lands at the floor, at the ceiling, or somewhere between the two depending on local home prices.
What are the FHA loan limits on a two-, three-, or four-unit property?
They rise with the unit count. At the national floor the limits are $693,050 for two units, $837,700 for three, and $1,041,125 for four. At the national ceiling they are $1,599,375, $1,933,200, and $2,402,625 respectively. The full multi-unit figures for every tier in New Jersey, Connecticut, and Florida are in the tables above. A two-to-four unit property you live in is still owner-occupied FHA financing, so the three and a half percent down payment still applies.
Does my credit score change my FHA loan limit?
No. The limit is set by the county and the unit count, and nothing about you changes it. Your credit score affects whether you qualify and what you put down, not the ceiling on the loan amount. FHA goes down to a 580 score with three and a half percent down, and to 500 with ten percent down.
Which county limit applies, the one where I live or the one where I am buying?
The property decides it, not you. The limit is the one for the county the home is in, so if you live in a floor county and buy in a ceiling county you get the higher figure. This matters in New Jersey more than anywhere else we lend, because the counties at $1,249,125 border counties at $541,287.
What happens if the house costs more than the FHA limit?
The limit caps the loan, not the price. You can buy above it by covering the difference in cash on top of the down payment. If that gap is too large, the usual alternative is a conventional loan, which has its own separate and generally higher limit, or a jumbo loan above that. We can price all three so you can see which is actually cheaper.
Do FHA loan limits change every year?
Yes. They reset each January first, and they move with national home prices, so they have risen every year recently. A figure you found last year is almost certainly out of date. The numbers on this page are the 2026 limits, revised by HUD on January first, 2026.
Can I get an FHA loan at these limits with a credit score under 620?
Yes. FHA is the reason a lower score is still workable. The program allows a 580 score with three and a half percent down, and 500 to 579 with ten percent down. Plenty of lenders overlay their own higher minimum on top of that, which is where a broker helps, because we place the file with one that does not.

Related Resources

FHA vs. the Alternatives

FHA loan limitsCounty by county, all three statesYou are hereConforming limitsThe other table, for conventional loansCompareFHA requirementsCredit, down payment, and DTICompareConventional loansWhen FHA is not the cheaper optionCompare
Related FHA ProgramsFHA requirementsFHA loan FloridaNew Jersey FHA loanFHA loan ConnecticutApply online
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2026 FHA loan limits guide by Chris Luis, Broker/Owner of Mortgage-World.com, NMLS #1630225

Written and reviewed by Chris Luis, Broker/Owner of Mortgage-World.com, NMLS #1630225. About the author

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