Dan Green
Dan Green

Dan Green

Homebuyer.com

Dan Green has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

Dan Green

Dan Green

Homebuyer.com

Dan Green has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.

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This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

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Trusted Content

This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

Published: December 2, 2024

2025 Conventional and FHA Mortgage Loan Limits for Okaloosa County, Florida

Conforming Loans
FHA Loans
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration

Okaloosa County, Florida, mortgage loan limits apply in:

Okaloosa County 2025 mortgage loan limits include the following cities: Cinco Bayou, Crestview, Destin, Eglin AFB, Fort Walton Beach, Hurlburt Field, Lake Lorraine, Laurel Hill, Mary Esther, Niceville, Ocean City, Shalimar, Valparaiso, Wright
2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Areas
Video Length: 06:51

Historical Charts: Mortgage Loan Limits in Okaloosa County, Florida

Okaloosa County mortgage loan limits adjust annually to match changes in the FHFA House Price Index.

Conforming Loans
FHA Loans

Mortgage Statistics from Okaloosa County, Florida

Okaloosa County mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.

Mortgages
Total
Purchase Mortgages (2018-2023)
25,724
Loan Type
Relative Share
Conventional
38.47%
FHA
9.17%
VA
51.04%
USDA
1.32%
Property Type
Relative Share
1-Unit Homes
99.66%
2-Unit Homes
0.21%
3-Unit Homes
0.06%
4-Unit Homes
0.07%
Borrower Status
Relative Share
One Applicant
61.37%
Two or More Applicants
38.63%
Gender
Relative Share
Male
42.24%
Female
17.26%
Joint Sex
33.55%
Not Available
6.94%
Race
Relative Share
American Indian / Alaska Native
0.58%
Asian
2.85%
Black / African American
5.90%
Native Hawaiian / Other Pacific Islander
0.35%
White
69.11%
Mixed Race
2.83%
Other Race
18.38%
Ethnicity
Relative Share
Hispanic or Latino
7.04%
Not Hispanic or Latino
71.97%
Joint Ethnicity
2.53%
Other Ethnicity
18.47%
Okaloosa County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits Near Okaloosa County, Florida

2025 conforming and FHA mortgage loan limits for for the areas surrounding Okaloosa County, Florida. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Covington County, Alabama
Escambia County, Alabama
Santa Rosa County, Florida
Walton County, Florida
National Data

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