Santa Rosa County SHIP First-Time Homebuyer Program
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Santa Rosa County
Buying a home in Gulf Breeze, FL
1 county program and 26 statewide.Gulf Breeze has no program of its own, 1 across Santa Rosa 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 Gulf Breeze
No program of Gulf Breeze’s own yet
No program run for Gulf Breeze alone is listed. A home in Gulf Breeze can use Santa Rosa County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Pensacola, about 5 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in Santa RosaAnywhere in Santa Rosa County
1 county program1 county program a Gulf Breeze homebuyer can use
The Gulf Breeze marketThe Gulf Breeze housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Gulf Breeze
- 74.4% single-familysingle-family
- 2.1% townhousetownhouse
- 9.1% 2–4 units2–4 units
- 14.4% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Gulf Breeze’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Gulf Breeze’s homes were built
pre-19401970s2020+
65.3%
of Gulf Breeze 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.
$92,800
County area median income, 4 people (HUD)HUD area median income, Santa Rosa County, 4-person household (2026)
$104,050
Gulf Breeze median household incomeMedian household income in Gulf Breeze (Census, 2024)
28 of the 89 programs here set their income limit as a share of Santa Rosa County’s area median income, adjusted for household size. See the published limits for Santa Rosa County
Free help nearbyFree help near Gulf Breeze
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Gulf Breeze’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Santa Rosa County SHIP First-Time Homebuyer 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
Gulf Breeze questions
Does Gulf Breeze have its own down payment program?
No program run for Gulf Breeze alone is listed. A home in Gulf Breeze can use the 1 program that cover Santa Rosa County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Gulf Breeze?
Gulf Breeze’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 Santa Rosa County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Santa Rosa 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 Gulf Breeze?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Gulf Breeze. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32561 · 32562 · 32563
Nearby in Santa Rosa
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.