Miami-Dade County, Florida Housing Market & Loan Limits
Explore county loan limits, affordability benchmarks, and ZIP-level market pages for Miami-Dade County, Florida.
2026 Loan Limits in Miami-Dade County
| Property Type | Conforming | FHA |
|---|---|---|
| 1 Unit | $832,750 | $667,000 |
| 2 Units | $1,066,250 | $853,900 |
| 3 Units | $1,288,800 | $1,032,150 |
| 4 Units | $1,601,750 | $1,282,700 |
Affordability Snapshot - Miami-Dade County, Florida
To purchase the median home at $350,000 with 5% down at 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
Based on a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800/yr insurance, and a 28% DTI guideline.
ZIP codes in Miami-Dade County
Jump into ZIP-level market pages for this county.
- 33010
- 33012
- 33013
- 33014
- 33015
- 33016
- 33018
- 33030
- 33031
- 33032
- 33033
- 33034
- 33035
- 33039
- 33054
- 33055
- 33056
- 33101
- 33109
- 33122
- 33125
- 33126
- 33127
- 33128
- 33129
- 33130
- 33131
- 33132
- 33133
- 33134
- 33135
- 33136
- 33137
- 33138
- 33139
- 33140
- 33141
- 33142
- 33143
- 33144
- 33145
- 33146
- 33147
- 33149
- 33150
- 33154
- 33155
- 33156
- 33157
- 33158
- 33160
- 33161
- 33162
- 33165
- 33166
- 33167
- 33168
- 33169
- 33170
- 33172
- 33173
- 33174
- 33175
- 33176
- 33177
- 33178
- 33179
- 33180
- 33181
- 33182
- 33183
- 33184
- 33185
- 33186
- 33187
- 33189
- 33190
- 33193
- 33194
- 33196
- 34141