2026 Mortgage Loan Limits for Palm Beach County, Florida
Palm Beach County Loan Limits History
See how mortgage loan limits in this area have evolved over time. This historical chart shows conventional, FHA, VA, and USDA limits for 1-4 unit properties.
Palm Beach County Loan Limits: Complete Historical Table
Browse the full historical data for Palm Beach County mortgage loan limits from 1972 to 2026. This comprehensive table shows how loan limits have changed over 50+ years, helping you understand long-term trends in your local housing market.
| Year | Conventional | FHA | VA | USDA |
|---|---|---|---|---|
| 2026 | $832,750 | $541,275 | $832,750 | $433,020 |
| 2025 | $806,500 | $654,350 | $806,500 | $523,480 |
| 2024 | $766,550 | $621,000 | $766,550 | $496,800 |
| 2023 | $726,200 | $557,750 | $726,200 | $446,200 |
| 2022 | $647,200 | $460,000 | $647,200 | - |
| 2021 | $548,250 | $402,500 | $548,250 | - |
| 2020 | $510,400 | $373,750 | $510,400 | - |
| 2019 | $484,350 | $356,500 | $484,350 | - |
| 2018 | $453,100 | $345,000 | $453,100 | - |
| 2017 | $424,100 | $345,000 | $424,100 | - |
| 2016 | $417,000 | $345,000 | $417,000 | - |
| 2015 | $417,000 | $345,000 | $417,000 | - |
| 2014 | $417,000 | $345,000 | $417,000 | - |
| 2013 | $417,000 | $423,750 | $417,000 | - |
| 2012 | $417,000 | $423,750 | $417,000 | - |
| 2011 | $417,000 | $423,750 | $417,000 | - |
| 2010 | $423,750 | $423,750 | $423,750 | - |
| 2009 | $423,750 | $271,050 | $423,750 | - |
| 2008 | $417,000 | $200,160 | $417,000 | - |
Cities in Palm Beach County, Florida
The following cities and communities are covered by Palm Beach County loan limits. Whether you're looking for mortgage loan limits in Acacia Villas, Atlantis, Belle Glade or any other Palm Beach County city, the same conventional, FHA, VA, and USDA loan limits apply throughout the county.
Palm Beach County, Florida Mortgage Market Analysis (2018-2024)
Explore borrowing and mortgage trends in Palm Beach County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.
Loan Count by Loan Type (Palm Beach County, Florida)
Number of mortgage loans originated by loan type (Conventional, FHA, VA, USDA) in Palm Beach County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 25,448 | 14,332 | 13,244 | ▼-7.59% |
| FHA | 5,876 | 2,845 | 2,866 | ▲0.74% |
| VA | 2,117 | 732 | 842 | ▲15.03% |
| USDA | 1 | 0 | 0 | ▲0.00% |
Market Share by Loan Type (Palm Beach County, Florida)
Market share percentage by loan type (Conventional, FHA, VA, USDA) in Palm Beach County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 76.10% | 80.03% | 78.13% | ▼-1.90% |
| FHA | 17.57% | 15.89% | 16.91% | ▲1.02% |
| VA | 6.33% | 4.09% | 4.97% | ▲0.88% |
| USDA | 0.00% | 0.00% | 0.00% | ▲0.00% |
Average Loan-to-Value by Loan Type (Palm Beach County, Florida)
Average loan-to-value ratio by loan type (Conventional, FHA, VA, USDA) in Palm Beach County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 68.80% | 66.90% | 66.40% | ▼-0.50% |
| FHA | 93.90% | 88.70% | 88.70% | ▲0.00% |
| VA | 100.00% | 87.80% | 92.20% | ▲4.40% |
| USDA | 32.00% | 0.00% | 0.00% | ▲0.00% |
