During 2026, the FHA loan limits in St.-Pete-Beach county, part of Pinellas, FL, are categorized as follows: $356,362 for single-family houses, $456,275 for two-unit homes, $551,500 for three-unit dwellings, and $685,400 for four-unit properties.
The maximum amounts for conventional loans on a single-family home are set at $548,250. For two-unit residences, the limit is $702,000; for three-unit properties, it is $848,500, and for four-unit buildings, it reaches $1,054,500.
Utilize our FHA calculator to check today’s best FHA rates and determine the necessary down payment, income, credit score, reserves, and documents needed to qualify.
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With the Lendersa® calculator, you can compare FHA rates and terms with those of all other loan programs. Dive into comparisons of Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
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The Loan Limits Comparison Table for 2026 in St.-Pete-Beach county, Pinellas, FL, highlights maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualification criteria, such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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