Polk County, FL — 2026 conforming loan limit
What is the one-unit limit for Polk County, FL — 2026 conforming loan limit?
For Polk County, FL, one-unit limit is $832,750; two-unit limit is $1,066,250; three-unit limit is $1,288,800; four-unit limit is $1,601,750, verified against its source on 2026-09-18.
12,105,POLK COUNTY,FL,29460,"$832,750 ","$1,066,250 ","$1,288,800 ","$1,601,750 "
— fhfa.gov, retrieved 2026-08-07
$832,750
2026 conforming (conventional) loan limit for a one-unit, single-family home, per the FHFA county file. Loans above this are jumbo. The county's FHA limit — a separate programme HUD sets — is listed with it on the record page.
- FIPS State Code
- 12 verified
- FIPS County Code
- 105 verified
- FIPS Code
- 12105 our reading
- County Name
- POLK COUNTY verified
- State
- FL verified
- CBSA Number
- 29460 verified
- One-Unit Limit
- $832,750 verified
- Two-Unit Limit
- $1,066,250 verified
- Three-Unit Limit
- $1,288,800 verified
- Four-Unit Limit
- $1,601,750 verified
- FHA One-Unit Limit
- 541,287 per apps.hud.gov
- FHA Two-Unit Limit
- 693,050 per apps.hud.gov
- FHA Three-Unit Limit
- 837,700 per apps.hud.gov
- FHA Four-Unit Limit
- 1,041,125 per apps.hud.gov
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What apps.hud.gov says
2946000000LAKELAND-WINTER HAVEN, FL 203B S03040000541287069305008377001041125FL105FLORIDA POLK COUNTY 2026010103150002023
— apps.hud.gov, retrieved 2026-08-10
Sources
- fhfa.govhttps://www.fhfa.gov/document/d/cll/fullcountyloanlimitlist2026_hera-based_final_flat.csv
- apps.hud.govhttps://apps.hud.gov/pub/chums/cy2026-forward-limits.txt