Income limits · Florida

Income limits and price caps in Florida

188 Florida programs publish an income limit, a price cap, or both. Most write the limit as a share of the county’s area median income.188 Florida programs publish an income limit, a purchase price cap, or both. Most write the limit as a share of the county’s area median income. Here is how to read one.

01
HUD sets the median
Each year, for every county, quoted for a household of four.Each year HUD publishes the area median income for every county, quoted for a household of four.
02
The program picks a share
Up to that share of the median for the county where the home is.A limit written as a share of area median income means up to that share of the median for the county where the home is.
03
The agency publishes the dollars
Adjusted for household size, in the program’s own table. That table is the one that counts.The program adjusts its limit for household size and county, and publishes its own table. That table is the one that counts.

Area median income by county

Find your county’s median

HUD’s four-person figure. Programs adjust it for household size.HUD’s four-person figure for the county where the home is. A program applies its percentage to this number, adjusted for household size by the program.

County	Area median income, 4 people	Programs in county	HUD year	Link
Broward	$102,500	19	FY2026	Broward programs →
Palm Beach	$107,600	14	FY2026	Palm Beach programs →
Miami-Dade	$89,800	10	FY2026	Miami-Dade programs →
Brevard	$97,000	6	FY2026	Brevard programs →
Lee	$105,700	6	FY2026	Lee programs →
Pinellas	$104,700	6	FY2026	Pinellas programs →
Orange	$97,600	5	FY2026	Orange programs →
Volusia	$90,800	5	FY2026	Volusia programs →
Escambia	$92,800	4	FY2026	Escambia programs →
Hillsborough	$104,700	4	FY2026	Hillsborough programs →
Leon	$99,500	4	FY2026	Leon programs →
Polk	$83,900	4	FY2026	Polk programs →
Sarasota	$109,700	4	FY2026	Sarasota programs →
St. Lucie	$102,000	4	FY2026	St. Lucie programs →
Collier	$121,000	3	FY2026	Collier programs →
Duval	$108,700	3	FY2026	Duval programs →
Manatee	$109,700	3	FY2026	Manatee programs →
Marion	$84,000	3	FY2026	Marion programs →
Okaloosa	$106,700	3	FY2026	Okaloosa programs →
Alachua	$99,100	2	FY2026	Alachua programs →
Charlotte	$97,500	2	FY2026	Charlotte programs →
Monroe	$129,600	2	FY2026	Monroe programs →
Osceola	$97,600	2	FY2026	Osceola programs →
Seminole	$97,600	2	FY2026	Seminole programs →
Bay	$98,900	1	FY2026	Bay programs →
Bradford	$81,100	1	FY2026	Bradford programs →
Calhoun	$67,100	1	FY2026	Calhoun programs →
Citrus	$81,400	1	FY2026	Citrus programs →
Clay	$108,700	1	FY2026	Clay programs →
Columbia	$83,000	1	FY2026	Columbia programs →
DeSoto	$65,800	1	FY2026	DeSoto programs →
Dixie	$60,400	1	FY2026	Dixie programs →
Flagler	$114,500	1	FY2026	Flagler programs →
Franklin	$82,300	1	FY2026	Franklin programs →
Gadsden	$99,500	1	FY2026	Gadsden programs →
Gilchrist	$99,100	1	FY2026	Gilchrist programs →
Glades	$58,500	1	FY2026	Glades programs →
Gulf	$80,700	1	FY2026	Gulf programs →
Hamilton	$59,000	1	FY2026	Hamilton programs →
Hardee	$71,300	1	FY2026	Hardee programs →
Hendry	$65,300	1	FY2026	Hendry programs →
Hernando	$104,700	1	FY2026	Hernando programs →
Highlands	$75,600	1	FY2026	Highlands programs →
Holmes	$63,700	1	FY2026	Holmes programs →
Indian River	$105,200	1	FY2026	Indian River programs →
Jackson	$65,000	1	FY2026	Jackson programs →
Jefferson	$99,500	1	FY2026	Jefferson programs →
Lafayette	$75,200	1	FY2026	Lafayette programs →
Lake	$97,600	1	FY2026	Lake programs →
Levy	$68,800	1	FY2026	Levy programs →
Liberty	$75,500	1	FY2026	Liberty programs →
Madison	$65,600	1	FY2026	Madison programs →
Martin	$102,000	1	FY2026	Martin programs →
Nassau	$108,700	1	FY2026	Nassau programs →
Okeechobee	$72,600	1	FY2026	Okeechobee programs →
Pasco	$104,700	1	FY2026	Pasco programs →
Putnam	$73,500	1	FY2026	Putnam programs →
Santa Rosa	$92,800	1	FY2026	Santa Rosa programs →
St. Johns	$108,700	1	FY2026	St. Johns programs →
Sumter	$104,100	1	FY2026	Sumter programs →
Suwannee	$68,100	1	FY2026	Suwannee programs →
Taylor	$61,300	1	FY2026	Taylor programs →
Union	$76,800	1	FY2026	Union programs →
Wakulla	$100,400	1	FY2026	Wakulla programs →
Walton	$97,600	1	FY2026	Walton programs →
Washington	$74,100	1	FY2026	Washington programs →
Baker	$103,200	0	FY2026	Baker programs →

HUD FY2026 Income Limits, median family income for a four-person household. Program counts: programs whose record names the county, Hey Prescott, verified June–July 2026. Statewide programs apply too.

How programs set their limits

The percentage each program publishesThe percentage each Florida program publishes

Grouped by the limit in each program’s own record.Grouped by the limit written in the program’s own record. A program may also set lower tiers inside its limit; the program page has the details.

Up to 120% AMI

102 programs

All 102 →

Up to 80% AMI

44 programs

All 44 →

Up to 115% AMI

15 programs

All 15 →

Up to 60% AMI

11 programs

All 11 →

Up to 140% AMI

7 programs

All 7 →

Other limits

100% AMI · 1
- NACA - Neighborhood Assistance Corporation of America
150% AMI · 1
- Salute Our Soldiers Military Loan Program
No percentage published · 7
Each sets its limit another way: a dollar figure, the agency’s own words, or a price cap only.
All 7 →

Limits as written in each program record, Hey Prescott, verified June–July 2026. Confirm current limits with the administering agency.

Purchase price caps

12 programs also cap the home’s price12 programs also cap the price of the home

The highest price the program accepts, as it publishes it.The cap is the highest purchase price the program accepts, as the program publishes it.

Program	County	Income limit	Price cap
City of St. Petersburg Down Payment Assistance	Pinellas	140% AMI	$544,233
Sumter County SHIP Down Payment Assistance	Sumter	120% AMI	$510,939
Manatee County SHIP Down Payment Assistance	Manatee	120% AMI	$400,000
St. Johns County SHIP Down Payment Assistance	St. Johns	120% AMI	$400,000
Osceola County SHIP Purchase Assistance	Osceola	120% AMI	$360,000
Orange County Homebuyer Down Payment Assistance	Orange	120% AMI	$345,000
Pasco County SHIP Down Payment Assistance Program	Pasco	80% AMI	$330,000
Brevard County SHIP Down Payment Assistance	Brevard	120% AMI	$329,000
Clay County SHIP First-Time Homebuyer Down Payment Assistance	Clay	120% AMI	$322,925
Gulf County SHIP Purchase Assistance	Gulf	120% AMI	$255,000
Columbia County SHIP Down Payment Assistance	Columbia	120% AMI	$253,000
Highlands County SHIP Purchase Assistance	Highlands	120% AMI	$250,000

All 12 price caps →

Pasco County SHIP Down Payment Assistance Program$330,000
Brevard County SHIP Down Payment Assistance$329,000
Clay County SHIP First-Time Homebuyer Down Payment Assistance$322,925
Gulf County SHIP Purchase Assistance$255,000
Columbia County SHIP Down Payment Assistance$253,000
Highlands County SHIP Purchase Assistance$250,000

Sorted by cap. Caps as published by each agency, Hey Prescott program records, verified June–July 2026.

Not sure where your income lands?

99 HUD-approved counseling agencies in Florida99 HUD-approved housing counseling agencies in Florida

A counselor can walk through a program’s own income table with you, for free.A counselor can walk through a program’s own income table with you, for free. Create an account, take the 90-second match, and we’ll show the counselors near you.

Find my counselor

Free account → 90-second match → your counselors

Keep exploring Florida

Florida programs188 programsBack to Florida →All 67 countiesLocal programs and mediansSee counties →62 cities with a programapopka, boca raton, boynton beach and moreSee cities →How income limits workCounted across every stateRead it →

Questions, answered

What are the income limits for down payment assistance in Florida?

188 down payment assistance programs in Florida publish an income limit, a purchase price cap, or both. 181 express the limit as a share of the area median income for the county where the home is, and 3 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a share of area median income, which HUD publishes per county and revises annually. A program with one published share therefore admits a different dollar figure in each county, and the program adjusts that figure for household size in its own table.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

Sources

U.S. Department of Housing and Urban Development, FY2026 Income Limits: median family income, four-person household, by county. HUD’s own household-size tables →
Program limits and price caps: each administering agency, as recorded by Hey Prescott, verified June–July 2026.
HUD-approved housing counseling agencies: HUD agency list.