Assistance grant
City of Fort Walton Beach CDBG Program
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Okaloosa County
Buying a home in Fort Walton Beach, FL
1 Fort Walton Beach program, 2 county programs and 26 statewide.Fort Walton Beach has 1 program of its own, 2 more across Okaloosa 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 Fort Walton Beach addresses
Fort Walton Beach’s own program
Anywhere in OkaloosaAnywhere in Okaloosa County
2 county programs2 county programs a Fort Walton Beach homebuyer can also use
The Fort Walton Beach marketThe Fort Walton Beach housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Fort Walton Beach
- 67% single-familysingle-family
- 6.3% townhousetownhouse
- 7.1% 2–4 units2–4 units
- 18.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
Condos count. All 3 of Fort Walton Beach’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Fort Walton Beach’s homes were built
pre-19401970s2020+
64.8%
of Fort Walton 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.
$106,700
County area median income, 4 people (HUD)HUD area median income, Okaloosa County, 4-person household (2026)
$68,538
Fort Walton Beach median household incomeMedian household income in Fort Walton Beach (Census, 2024)
30 of the 91 programs here set their income limit as a share of Okaloosa County’s area median income, adjusted for household size. See the published limits for Okaloosa County
Free help nearbyFree help near Fort Walton Beach
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Fort Walton Beach questions
Does Fort Walton Beach have its own down payment program?
Yes, one: City of Fort Walton Beach CDBG Program, a assistance grant for first-time homebuyers (income limits). It is for homes inside Fort Walton Beach.
Can I use assistance on a condo in Fort Walton Beach?
All 3 of Fort Walton Beach’s 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 Okaloosa County?
Each program sets its own. 30 of the programs here set theirs as a share of HUD’s area median income for Okaloosa 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 Fort Walton 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
32547 · 32548 · 32549
Nearby in Okaloosa
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.