Palm Beach County SHIP Purchase Assistance Program
Deferred second loan · Income limit 140% of AMI
Single Family, Condo, Townhouse
See details Jun 2026
Down payment assistance · Florida
Buying a home in Palm Beach County, FL
5 county-wide programs, 8 cities with their own, plus 22 statewide and 62 nationwide.Palm Beach has 5 programs that cover the whole county and 8 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 Palm BeachAnywhere in Palm Beach County
5 programs for every Palm Beach address5 programs that cover every Palm Beach address
All 5 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in West Palm Beach, Boca Raton or Boynton Beach can use them. All 5 are for first-time homebuyers and ask for a homebuyer class.
Community Land Trust of Palm Beach County & Treasure Coast
Assistance grant · Income limit 120% of AMI
Single Family, Townhouse
See details Jul 2026
Habitat for Humanity of Palm Beach County
Assistance grant · Income limit 60% of AMI
Single Family
See details Jul 2026
Palm Beach County Homebuyer Match Pilot Program
Assistance grant · Income limit 80% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
Palm Beach County Housing Finance Authority Programs
Deferred second loan · Income limit 115% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
AMI is HUD’s area median income for Palm Beach, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
8 cities with their own program8 Palm Beach cities with their own program
For a home inside that city, on top of the county-wide 5.A city program is for a home inside that city. Buying there? It sits on top of the 5 county-wide programs above.
Boca RatonCity page City of Boca Raton SHIP Purchase AssistanceBoynton BeachCity page City of Boynton Beach SHIP Purchase AssistanceDelray BeachCity page City of Delray Beach First-Time Homeownership Program (SHIP)Delray Beach Community Land TrustJupiterCity page Town of Jupiter Down Payment AssistanceLake Worth BeachCity page City of Lake Worth Beach SHIP Purchase AssistanceRiviera BeachCity page Riviera Beach Community Development Corporation Renaissance ProgramWellingtonCity page City of Wellington SHIP Purchase AssistanceWest Palm BeachCity page City of West Palm Beach First-Time Homebuyers Program
The Palm Beach marketThe Palm Beach housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Palm Beach
- 45.5% single-familysingle-family
- 11.5% townhousetownhouse
- 8.7% 2–4 units2–4 units
- 31.4% 5+ unitscondo & apartment buildings (5+ units)
- 2.8% mobile & othermobile home & other
Condos count. 3 of the 5 county-wide programs and 8 of the 9 city programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Palm Beach’s homes were built
pre-19401970s2020+
33.5%
of Palm Beach 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.
$107,600
HUD area median income, 4 people (FY2026)HUD area median income, Palm Beach County, 4-person household (FY2026)
$83,581
Median household income (ACS 2024 5-year)Median household income in Palm Beach (Census ACS 2024 5-year)
70.1%
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. 37 of the 98 programs here set their income limit as a share of Palm Beach County’s area median income, adjusted for household size. See the published limits for Palm Beach County
Free help in Palm BeachFree help in Palm Beach
9 HUD-approved counseling agencies with an office in the county9 HUD-approved housing counseling agencies with an office in Palm Beach County
14 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 14 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 Palm Beach County.
44 cities and placesA to Z
All cities in Palm Beach CountyAll 44 cities and places in Palm Beach County
has a program of its own
- Aberdeen
- Atlantis
- Belle Glade
- Belle Glade Camp
- Boca Del Mar
- Boca Pointe
- Boca Raton
- Boynton Beach
- Delray Beach
- Greenacres City
- Haverhill
- Hypoluxo
- Jupiter
- Kings Point
- Lake Belvedere Estates
- Lake Clarke Shores
- Lake Park
- Lake Worth
- Lake Worth Corridor
- Lantana
- Limestone Creek
- Loxahatchee Groves
- Mangonia Park
- North Palm Beach
- Ocean Ridge
- Pahokee
- Palm Beach
- Palm Beach Gardens
- Palm Beach Shores
- Palm Springs
- Riviera Beach
- Royal Palm Beach
- Royal Palm Estates
- Sandalfoot Cove
- Schall Circle
- Seminole Manor
- South Bay
- South Palm Beach
- Tequesta
- The Acreage
- Villages of Oriole
- Wellington
- West Gate
- West Palm Beach
Palm Beach questions
Can I use a county program anywhere in Palm Beach?
The 5 county-wide programs cover homes anywhere in the county. City programs, like Boca Raton’s and Boynton Beach’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 Palm Beach 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 Palm Beach programs accept condos?
3 of the 5 county-wide programs and 8 of the 9 city programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Palm Beach?
HUD-approved housing counseling agencies teach homebuyer classes, and 9 agencies have an office in Palm Beach 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.