FL mortgage rates

Miami-Dade County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Miami-Dade County, Florida. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Miami-Dade County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$667,000
2 units$853,900
3 units$1,032,150
4 units$1,282,700

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Miami-Dade County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Miami-Dade

A local view of the market.

Miami-Dade County, FL, has one of the highest median home values in the state, around $619,000 in 2024, driven by demand in its urban and coastal areas. It attracts a diverse population, including professionals, retirees, and international buyers. Miami, the largest city with a population of around 450,000, is known for its vibrant nightlife, cultural diversity, and economic opportunities, while Hialeah and Miami Beach offer more suburban and coastal living options. Miami-Dade offers a dynamic urban-suburban mix with an economy centered on finance, tourism, and trade. Its vibrant culture, job market, and oceanfront lifestyle attract a wide range of residents.

County snapshot

Market context.

FL

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaMiami-Fort Lauderdale-Pompano BeachMapped market area
Area code33100CBSA / MSA reference
Featured communitiesCoral Gables · Hialeah Gardens · Miami GardensFrom the county record
Data year2026Aligned with this limit record
Coral GablesHialeah GardensMiami Gardens
Top cities & communities

Communities to explore.

Coral GablesHialeah GardensMiami GardensNorth MiamiNorth Miami BeachHialeahMiami LakesSweetwaterPalmetto BayDoralCutler BayMiamiMiami BeachSunny Isles BeachAventuraHomestead
Questions & Answers

Refinancing in Miami-Dade County

Common questions about 2026 loan limits and refinancing opportunities in Florida.

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