Highlands County SHIP Purchase Assistance
Deferred second loan · Income limits
Down payment assistance · Highlands County
Buying a home in Lake Placid, FL
1 county program and 26 statewide.Lake Placid has no program of its own, 1 across Highlands 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 Lake Placid
No program of Lake Placid’s own yet
No program run for Lake Placid alone is listed. A home in Lake Placid can use Highlands County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Winter Haven, about 53 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in HighlandsAnywhere in Highlands County
1 county program1 county program a Lake Placid homebuyer can use
The Lake Placid marketThe Lake Placid housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lake Placid
- 57.1% single-familysingle-family
- 11.9% townhousetownhouse
- 6.9% 2–4 units2–4 units
- 18.9% 5+ unitscondo & apartment buildings (5+ units)
- 5.2% mobile & othermobile home & other
Condos count. Lake Placid’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lake Placid’s homes were built
pre-19401970s2020+
35.5%
of Lake Placid 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.
$75,600
County area median income, 4 people (HUD)HUD area median income, Highlands County, 4-person household (2026)
$47,018
Lake Placid median household incomeMedian household income in Lake Placid (Census, 2024)
28 of the 89 programs here set their income limit as a share of Highlands County’s area median income, adjusted for household size. See the published limits for Highlands County
Free help nearbyFree help near Lake Placid
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Lake Placid’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Highlands 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
Lake Placid questions
Does Lake Placid have its own down payment program?
No program run for Lake Placid alone is listed. A home in Lake Placid can use the 1 program that cover Highlands County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Lake Placid?
Lake Placid’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 Highlands County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Highlands 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 Lake Placid?
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
33852 · 33862
Nearby in Highlands
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.