Flagler County / City of Palm Coast Joint SHIP Program
Deferred second loan · Income limits
Down payment assistance · Flagler County
Buying a home in Flagler Beach, FL
1 county program and 26 statewide.Flagler Beach has no program of its own, 1 across Flagler 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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What’s local to Flagler Beach
No program of Flagler Beach’s own yet
No program run for Flagler Beach alone is listed. A home in Flagler Beach can use Flagler County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Daytona Beach, about 19 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in FlaglerAnywhere in Flagler County
1 county program1 county program a Flagler Beach homebuyer can use
The Flagler Beach marketThe Flagler Beach housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Flagler Beach
- 63.7% single-familysingle-family
- 13.7% townhousetownhouse
- 6.6% 2–4 units2–4 units
- 15.2% 5+ unitscondo & apartment buildings (5+ units)
- 0.7% mobile & othermobile home & other
Condos count. Flagler Beach’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Flagler Beach’s homes were built
pre-19401970s2020+
33.5%
of Flagler 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.
$114,500
County area median income, 4 people (HUD)HUD area median income, Flagler County, 4-person household (2026)
$84,632
Flagler Beach median household incomeMedian household income in Flagler Beach (Census, 2024)
28 of the 89 programs here set their income limit as a share of Flagler County’s area median income, adjusted for household size. See the published limits for Flagler County
Free help nearbyFree help near Flagler Beach
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Flagler Beach’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Flagler County / City of Palm Coast Joint SHIP Program asks 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
Flagler Beach questions
Does Flagler Beach have its own down payment program?
No program run for Flagler Beach alone is listed. A home in Flagler Beach can use the 1 program that cover Flagler County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Flagler Beach?
Flagler Beach’s one local program accepts 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 Flagler County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Flagler 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 Flagler Beach?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32136 · 32151
Nearby in Flagler
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.