St. Lucie County SHIP Purchase Assistance
Deferred second loan · Income limits
Down payment assistance · St. Lucie County
Buying a home in Hutchinson Island South, FL
1 county program and 26 statewide.Hutchinson Island South has no program of its own, 1 across St. Lucie 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 Hutchinson Island South
No program of Hutchinson Island South’s own yet
No program run for Hutchinson Island South alone is listed. A home in Hutchinson Island South can use St. Lucie County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Fort Pierce, about 12 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in St. LucieAnywhere in St. Lucie County
1 county program1 county program a Hutchinson Island South homebuyer can use
3 more programs are for homes in Fort Pierce and Port St. Lucie. See them 3 programs in neighboring cities — for homes inside those cities, not Hutchinson Island South
- Fort Pierce — City of Fort Pierce CDBG Homebuyer Assistance
- Fort Pierce — City of Fort Pierce SHIP Home Purchase Assistance
- Port St. Lucie — City of Port St. Lucie Homebuyer Assistance Program
The Hutchinson Island South marketThe Hutchinson Island South housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hutchinson Island South
- 16.4% single-familysingle-family
- 0.9% townhousetownhouse
- 1.8% 2–4 units2–4 units
- 56.8% 5+ unitscondo & apartment buildings (5+ units)
- 24.1% mobile & othermobile home & other
Condos count. Hutchinson Island South’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hutchinson Island South’s homes were built
pre-19401970s2020+
18.4%
of Hutchinson Island South 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.
$102,000
County area median income, 4 people (HUD)HUD area median income, St. Lucie County, 4-person household (2026)
$65,871
Hutchinson Island South median household incomeMedian household income in Hutchinson Island South (Census, 2024)
28 of the 89 programs here set their income limit as a share of St. Lucie County’s area median income, adjusted for household size. See the published limits for St. Lucie County
Free help nearbyFree help near Hutchinson Island South
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Hutchinson Island South’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.St. Lucie 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
Hutchinson Island South questions
Does Hutchinson Island South have its own down payment program?
No program run for Hutchinson Island South alone is listed. A home in Hutchinson Island South can use the 1 program that cover St. Lucie County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Hutchinson Island South?
Hutchinson Island South’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 St. Lucie County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for St. Lucie 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 Hutchinson Island South?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Hutchinson Island South. Create a free account and take the 90-second match to see the ones near you.
Nearby in St. Lucie
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.