FL mortgage rates

Palm Beach County

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

Palm Beach 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 Palm Beach 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 Palm Beach

A local view of the market.

Palm Beach County, FL, has a high-value real estate market, with median home values around $505,000 in 2024. Known for its luxurious coastal areas, it attracts affluent buyers, retirees, and seasonal residents. West Palm Beach, with a population of around 117,000, offers a mix of cultural attractions and upscale living, while Boca Raton and Jupiter are known for their affluent communities. Palm Beach County provides a coastal-suburban lifestyle with an economy based on tourism, healthcare, and finance. Its beautiful beaches, luxury housing options, and amenities make it popular among affluent residents and retirees.

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 communitiesPalm Springs · Palm Beach Gardens · Delray BeachFrom the county record
Data year2026Aligned with this limit record
Palm SpringsPalm Beach GardensDelray Beach
Top cities & communities

Communities to explore.

Palm SpringsPalm Beach GardensDelray BeachJupiterBoca RatonGreenacresLake Worth BeachRiviera BeachWellingtonRoyal Palm BeachBoynton BeachWest Palm Beach
Questions & Answers

Refinancing in Palm Beach County

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

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