FL mortgage rates

Monroe County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Monroe 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

Monroe County

Conforming Loan Limits

Per property
1 unit$990,150
2 units$1,267,600
3 units$1,532,200
4 units$1,904,150

FHA Loan Limits

Per property
1 unit$990,150
2 units$1,267,600
3 units$1,532,200
4 units$1,904,150

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 Monroe 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 Monroe

A local view of the market.

Monroe County, FL, has a unique and competitive real estate market, with median home values around $1,200,000 in 2024 due to its island and coastal locations. Known for the Florida Keys, it attracts retirees, seasonal residents, and tourists. Key West, the county’s largest city with a population of around 26,000, is known for its historic charm, nightlife, and arts scene. Monroe County offers a coastal-island lifestyle with an economy focused on tourism, fishing, and hospitality. Its scenic beauty, island living, and unique culture make it popular among residents looking for a relaxed, tropical lifestyle.

County snapshot

Market context.

FL

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

Market areaKey WestMapped market area
Area code28580CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Monroe County

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

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