Habitat for Humanity of Lee and Hendry Counties
Assistance grant · Income limit 60% of AMI
Single Family
See details Jul 2026
Down payment assistance · Florida
Buying a home in Lee County, FL
4 county-wide programs, 2 cities with their own, plus 22 statewide and 62 nationwide.Lee has 4 programs that cover the whole county and 2 cities with a program of their own. On top of those, 22 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in LeeAnywhere in Lee County
4 programs for every Lee address4 programs that cover every Lee address
All 4 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Cape Coral, Fort Myers or Lehigh Acres can use them. All 4 are for first-time homebuyers and ask for a homebuyer class.
Lee County HOME Purchase Assistance
Forgivable loan · Forgiven over 10 yrs · Income limit 80% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
Lee County SHIP - CDBG Purchase Assistance
Forgivable loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
Lee County SHIP - FirstPlus Initiative
Deferred second loan · Income limit 120% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
AMI is HUD’s area median income for Lee, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
2 cities with their own program2 Lee cities with their own program
For a home inside that city, on top of the county-wide 4.A city program is for a home inside that city. Buying there? It sits on top of the 4 county-wide programs above.
The Lee marketThe Lee housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Lee
- 55.4% single-familysingle-family
- 6.8% townhousetownhouse
- 7.3% 2–4 units2–4 units
- 21.2% 5+ unitscondo & apartment buildings (5+ units)
- 9.3% mobile & othermobile home & other
Condos count. 3 of the 4 county-wide programs and all 2 city programs list condos as eligible. Habitat for Humanity of Lee and Hendry Counties lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lee’s homes were built
pre-19401970s2020+
19.7%
of Lee homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$105,700
HUD area median income, 4 people (FY2026)HUD area median income, Lee County, 4-person household (FY2026)
$76,107
Median household income (ACS 2024 5-year)Median household income in Lee (Census ACS 2024 5-year)
74.3%
of occupied homes are owner-occupied (Florida: 67.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 29 of the 90 programs here set their income limit as a share of Lee County’s area median income, adjusted for household size. See the published limits for Lee County
Free help in LeeFree help in Lee
4 HUD-approved counseling agencies with an office in the county4 HUD-approved housing counseling agencies with an office in Lee County
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 6 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Lee County.
28 cities and placesA to Z
All cities in Lee CountyAll 28 cities and places in Lee County
has a program of its own
- Alva
- Bonita Springs
- Buckingham
- Burnt Store Marina
- Cape Coral
- Cypress Lake
- Estero
- Fort Myers
- Fort Myers Shores
- Gateway
- Harlem Heights
- Iona
- Lehigh Acres
- Lochmoor Waterway Estates
- McGregor
- North Fort Myers
- Olga
- Palmona Park
- Pine Island Center
- Pine Manor
- Saint James City
- San Carlos Park
- Sanibel
- Suncoast Estates
- Three Oaks
- Tice
- Villas
- Whiskey Creek
Lee questions
Can I use a county program anywhere in Lee?
The 4 county-wide programs cover homes anywhere in the county. City programs, like Cape Coral’s and Fort Myers’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Lee County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Lee programs accept condos?
3 of the 4 county-wide programs and all 2 city programs list condos as eligible. Habitat for Humanity of Lee and Hendry Counties lists single family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Lee?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies have an office in Lee County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.