2026 limits
Florida Hometown Heroes income and price limits
Limits depend on your county and on which of two options your lender uses: TBA or Bond. The table below shows the Bond limits. These are effective with reservations as of May 6, 2026.
Two options, two sets of limits
Florida Housing delivers Hometown Heroes through two loan options. Your lender decides which one to offer, and the limits are different.
- TBA option. Covers FHA, VA and USDA loans (Florida First) and Freddie Mac HFA Advantage. It uses one income limit for every household size, from $148,050 in many smaller counties up to $204,300 in Miami-Dade and $214,950 in Monroe. Income is measured on the borrowers' qualifying income for the loan. There's no purchase price limit, only loan limits: for example, the FHA limit is $541,287 in most counties, and the HFA Advantage and VA limit is $832,750.
- Bond option. Adds Fannie Mae HFA Preferred. It uses household-size limits (1 to 2 people, or 3 or more) and counts the total income of everyone 18 and older who will live in the home, not just the borrowers. It also has a purchase price limit by county, and limits are higher in federally designated targeted areas. Bond loans may trigger a federal recapture tax if you sell within certain conditions, so ask your lender to explain it.
Bond purchase price limits
Outside targeted areas, the Bond price limit is $566,354 in most counties. It's $572,751 in Manatee and Sarasota; $607,645 in Duval, Clay, Nassau, St. Johns and Baker; $631,710 in Martin, St. Lucie, Okaloosa and Walton; $697,889 in Miami-Dade, Broward and Palm Beach; $800,166 in Collier; and $1,036,005 in Monroe.
How to read the table
Find your county, then the column for your household size. Under Bond, add up the income of every adult who'll live in the home. If you're over the Bond limit, you might still fit the higher single TBA limit, so ask a lender that offers both.
| County or area | Income cap, household of 1 or 2 | Income cap, 3 or more | Highest purchase price |
|---|---|---|---|
| Alachua County | $104,000 | $119,600 | $566,354 |
| Baker County | $110,061 | $126,570 | $607,645 |
| Bay County | $101,554 | $116,788 | $566,354 |
| Bradford County | $98,700 | $113,540 | $566,354 |
| Brevard County | $101,414 | $116,627 | $566,354 |
| Broward County | $126,800 | $145,820 | $697,889 |
| Calhoun County | $98,700 | $113,505 | $566,354 |
| Charlotte County | $102,034 | $117,340 | $566,354 |
| Citrus County | $98,700 | $113,505 | $566,354 |
| Clay County | $108,700 | $125,005 | $607,645 |
| Collier County | $145,200 | $169,310 | $800,166 |
| Columbia County | $99,600 | $116,200 | $566,354 |
| DeSoto County | $98,700 | $113,505 | $566,354 |
| Dixie County | $98,700 | $113,505 | $566,354 |
| Duval County | $108,700 | $125,005 | $607,645 |
| Escambia County | $102,694 | $118,099 | $566,354 |
| Flagler County | $104,300 | $119,945 | $566,354 |
| Franklin County | $98,760 | $115,220 | $566,354 |
| Gadsden County | $101,434 | $116,650 | $566,354 |
| Gilchrist County | $104,000 | $119,600 | $566,354 |
| Glades County | $98,700 | $113,505 | $566,354 |
| Gulf County | $103,320 | $119,732 | $566,354 |
| Hamilton County | $98,700 | $113,505 | $566,354 |
| Hardee County | $98,700 | $113,505 | $566,354 |
| Hendry County | $98,700 | $113,505 | $566,354 |
| Hernando County | $114,700 | $131,905 | $566,354 |
| Highlands County | $98,700 | $113,505 | $566,354 |
| Hillsborough County | $114,700 | $131,905 | $566,354 |
| Holmes County | $98,700 | $113,505 | $566,354 |
| Indian River County | $102,300 | $117,645 | $566,354 |
| Jackson County | $98,700 | $113,505 | $566,354 |
| Jefferson County | $101,434 | $116,650 | $566,354 |
| Lafayette County | $98,700 | $113,505 | $566,354 |
| Lake County | $114,900 | $132,135 | $566,354 |
| Lee County | $112,400 | $129,260 | $566,354 |
| Leon County | $101,434 | $116,650 | $566,354 |
| Levy County | $98,700 | $113,505 | $566,354 |
| Liberty County | $98,700 | $113,505 | $566,354 |
| Madison County | $98,700 | $113,505 | $566,354 |
| Manatee County | $114,100 | $131,215 | $572,751 |
| Marion County | $100,800 | $117,600 | $566,354 |
| Martin County | $114,856 | $132,085 | $631,710 |
| Miami-Dade County | $136,200 | $156,630 | $697,889 |
| Monroe County | $171,960 | $200,620 | $1,036,005 |
| Nassau County | $108,700 | $125,005 | $607,645 |
| Okaloosa County | $113,996 | $131,096 | $631,710 |
| Okeechobee County | $98,700 | $113,505 | $566,354 |
| Orange County | $114,900 | $132,135 | $566,354 |
| Osceola County | $114,900 | $132,135 | $566,354 |
| Palm Beach County | $128,500 | $147,775 | $697,889 |
| Pasco County | $114,700 | $131,905 | $566,354 |
| Pinellas County | $114,700 | $131,905 | $566,354 |
| Polk County | $103,874 | $119,456 | $566,354 |
| Putnam County | $98,700 | $113,505 | $566,354 |
| Santa Rosa County | $102,694 | $118,099 | $566,354 |
| Sarasota County | $114,100 | $131,215 | $572,751 |
| Seminole County | $114,900 | $132,135 | $566,354 |
| St. Johns County | $108,700 | $125,005 | $607,645 |
| St. Lucie County | $114,856 | $132,085 | $631,710 |
| Sumter County | $104,100 | $119,715 | $566,354 |
| Suwannee County | $98,700 | $113,505 | $566,354 |
| Taylor County | $98,700 | $113,505 | $566,354 |
| Union County | $98,700 | $113,505 | $566,354 |
| Volusia County | $101,514 | $116,742 | $566,354 |
| Wakulla County | $101,254 | $116,443 | $566,354 |
| Walton County | $115,816 | $133,189 | $631,710 |
| Washington County | $98,700 | $113,505 | $566,354 |
Figures from Florida Housing 2026 HTH Bond Lender Guide (rev. 9/17/2026), pp. 18-19 '2026 Income & Purchase Price Limits for Bond' (income_1_2/income_3plus = non-targeted income limits; price_limit = non-targeted purchase price limit); tba_income_limit_all_sizes from FHFC '2026 Hometown Heroes Limits' PDF rev. 7/13/2026 (TBA lender guide pp. 18-19), in effect Effective with reservations as of 5/06/2026 (TBA limits PDF: https://www.floridahousing.org/docs/default-source/programs/homebuyers/hometown-heroes/2026-hometown-heroes-limits-rev-7-13-2026.pdf). These caps get revised, so your lender confirms the current ones before you lock.
