Avg Home Value
$415,000
Lending Limit
$1,209,750
Florida Housing Market Analysis
The housing market in Florida is stable, with average values sitting at $415,000. This places most homeowners comfortably within the FHA's lending limits, ensuring you get the full benefit of federal insurance protections.
Loan Limits in Florida
For 2026, the federal lending limit is $1,209,750.
Since the median home value in Florida is below this cap, your loan amount will be determined strictly by your age and current interest rates, not by the lending cap.
Specific Laws for Florida
Florida has specific regulations that go beyond federal HUD guidelines:
Florida charges a documentary stamp tax on the mortgage note (35 cents per $100), which adds to closing costs.
Tax Note: Generous Homestead Exemptions exist for seniors, especially those with limited income.
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