# 12039 — 2026 conforming loan limits by county: one- to four-unit properties

For 12039, fips state code is 12; fips county code is 039; county name is GADSDEN COUNTY; state is FL; cbsa number is 45220, verified against its source on 2026-08-07.

- **FIPS State Code:** 12 _(verified: appears in the quote below)_
- **FIPS County Code:** 039 _(verified: appears in the quote below)_
- **FIPS Code:** 12039 _(our reading, not quoted from the source)_
- **County Name:** GADSDEN COUNTY _(verified: appears in the quote below)_
- **State:** FL _(verified: appears in the quote below)_
- **CBSA Number:** 45220 _(verified: appears in the quote below)_
- **One-Unit Limit:** $832,750 _(verified: appears in the quote below)_
- **Two-Unit Limit:** $1,066,250 _(verified: appears in the quote below)_
- **Three-Unit Limit:** $1,288,800 _(verified: appears in the quote below)_
- **Four-Unit Limit:** $1,601,750 _(verified: appears in the quote below)_

## What the source says

> 12,039,GADSDEN COUNTY,FL,45220,"$832,750 ","$1,066,250 ","$1,288,800 ","$1,601,750 "

## Source

- https://www.fhfa.gov/document/d/cll/fullcountyloanlimitlist2026_hera-based_final_flat.csv

Last verified: 2026-08-07. Review by: 2027-08-07.
Part of [2026 conforming loan limits by county: one- to four-unit properties](https://referencesource.org/conforming-loan-limits/).