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City of Delray Beach First-Time Homeownership Program (SHIP)
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Palm Beach County
Buying a home in Delray Beach, FL
2 Delray Beach programs, 5 county programs and 26 statewide.Delray Beach has 2 programs of its own, 5 more across Palm Beach County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Delray Beach addresses
Delray Beach’s own programs
Assistance grant
Delray Beach Community Land Trust
First-time homebuyers · Income limits · Single Family · Townhouse
Anywhere in Palm BeachAnywhere in Palm Beach County
5 county programs5 county programs a Delray Beach homebuyer can also use
7 more programs are for homes in Jupiter, Boca Raton, Boynton Beach, Lake Worth Beach, Wellington, West Palm Beach and Riviera Beach. See them 7 programs in neighboring cities — for homes inside those cities, not Delray Beach
- Jupiter — Town of Jupiter Down Payment Assistance
- Boca Raton — City of Boca Raton SHIP Purchase Assistance
- Boynton Beach — City of Boynton Beach SHIP Purchase Assistance
- Lake Worth Beach — City of Lake Worth Beach SHIP Purchase Assistance
- Wellington — City of Wellington SHIP Purchase Assistance
- West Palm Beach — City of West Palm Beach First-Time Homebuyers Program
- Riviera Beach — Riviera Beach Community Development Corporation Renaissance Program
The Delray Beach marketThe Delray Beach housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Delray Beach
- 34% single-familysingle-family
- 13.2% townhousetownhouse
- 13.2% 2–4 units2–4 units
- 38.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
Condos count. 4 of Delray Beach’s 7 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Delray Beach’s homes were built
pre-19401970s2020+
42.8%
of Delray 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
County area median income, 4 people (HUD)HUD area median income, Palm Beach County, 4-person household (2026)
$82,041
Delray Beach median household incomeMedian household income in Delray Beach (Census, 2024)
34 of the 95 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 nearbyFree help near Delray Beach
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
7 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 7 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.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Delray Beach questions
Does Delray Beach have its own down payment program?
Yes, 2: City of Delray Beach First-Time Homeownership Program (SHIP) and Delray Beach Community Land Trust. Each is for homes inside Delray Beach.
Can I use assistance on a condo in Delray Beach?
4 of Delray Beach’s 7 local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Palm Beach County?
Each program sets its own. 34 of the programs here set theirs as a share of HUD’s area median income for Palm Beach County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Delray Beach?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Delray Beach. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
33444 · 33445 · 33446 · 33447 · 33448 · 33482 · 33483 · 33484
Nearby in Palm Beach
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.