Jackson County SHIP Purchase Assistance
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Jackson County
Buying a home in Graceville, FL
1 county program and 26 statewide.Graceville has no program of its own, 1 across Jackson 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 Graceville
No program of Graceville’s own yet
No program run for Graceville alone is listed. A home in Graceville can use Jackson County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Fort Walton Beach, about 75 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in JacksonAnywhere in Jackson County
1 county program1 county program a Graceville homebuyer can use
The Graceville marketThe Graceville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Graceville
- 70.2% single-familysingle-family
- 0% townhousetownhouse
- 11.7% 2–4 units2–4 units
- 3.8% 5+ unitscondo & apartment buildings (5+ units)
- 14.3% mobile & othermobile home & other
Condos count. Graceville’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Graceville’s homes were built
pre-19401970s2020+
65.1%
of Graceville 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.
$65,000
County area median income, 4 people (HUD)HUD area median income, Jackson County, 4-person household (2026)
$41,641
Graceville median household incomeMedian household income in Graceville (Census, 2024)
28 of the 89 programs here set their income limit as a share of Jackson County’s area median income, adjusted for household size. See the published limits for Jackson County
Free help nearbyFree help near Graceville
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Graceville’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Jackson County SHIP Purchase Assistance 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
Graceville questions
Does Graceville have its own down payment program?
No program run for Graceville alone is listed. A home in Graceville can use the 1 program that cover Jackson County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Graceville?
Graceville’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 Jackson County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Jackson 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 Graceville?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Graceville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32440
Nearby in Jackson
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.