Duval County, FL Conforming Loan Limit — 2026

Among the Florida counties we track, Duval County is among the most affordable at $300,000 — significantly below Miami-Dade County at $560,000.

A 20% down payment on a median Duval County home requires $60,000 in cash — or $10,500 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.

Duval County's median home value of $300,000 is close to the national median of $310,000, putting most buyers in the conforming loan range with conventional or FHA options readily available.

Based on the 0.89% effective rate and a median home value of $300,000, a typical homeowner in Duval County pays approximately $2,670 in annual property taxes — or $223 per month added to their mortgage payment.

Duval County's property tax rate of 0.89% is close to the national average of 1.10%. On a median-priced home of $300,000, expect an annual tax bill of approximately $2,670.

Sources: Tax Foundation 2025

Homeowners insurance in Duval County averages around $4,500/year ($375/month) — roughly 181% above the national average of $1,600.

Premium quotes in Duval County typically range from $2,800 to $7,500 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.

Sources: NAIC 2024

A buyer purchasing the median Duval County home ($300,000) with FHA's minimum 3.5% down would borrow $289,500 — well within the $541,287 baseline FHA limit for this county. FHA financing is a viable option for most buyers here.

With 20% down on a median-priced home, the loan amount of $240,000 stays $592,750 below the $832,750 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.

Sources: HUD ML 2025-23, FHFA 2026