Habitat for Humanity of Volusia County
Assistance grant · Income limits
Down payment assistance · Volusia County
Buying a home in New Smyrna Beach, FL
3 county programs and 26 statewide.New Smyrna Beach has no program of its own, 3 across Volusia 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 New Smyrna Beach
No program of New Smyrna Beach’s own yet
No program run for New Smyrna Beach alone is listed. A home in New Smyrna Beach can use Volusia County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Daytona Beach, about 14 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in VolusiaAnywhere in Volusia County
3 county programs3 county programs a New Smyrna Beach homebuyer can use
2 more programs are for homes in Daytona Beach and Deltona. See them 2 programs in neighboring cities — for homes inside those cities, not New Smyrna Beach
- Daytona Beach — City of Daytona Beach Affordable Home Ownership Assistance Program (AHOAP)
- Deltona — City of Deltona SHIP Down Payment Assistance Program
The New Smyrna Beach marketThe New Smyrna Beach housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in New Smyrna Beach
- 51.6% single-familysingle-family
- 7.3% townhousetownhouse
- 6.2% 2–4 units2–4 units
- 31.8% 5+ unitscondo & apartment buildings (5+ units)
- 3.2% mobile & othermobile home & other
Condos count. 2 of New Smyrna Beach’s 3 local and county programs accept condos. Habitat for Humanity of Volusia County lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When New Smyrna Beach’s homes were built
pre-19401970s2020+
32.4%
of New Smyrna Beach 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.
$90,800
County area median income, 4 people (HUD)HUD area median income, Volusia County, 4-person household (2026)
$83,865
New Smyrna Beach median household incomeMedian household income in New Smyrna Beach (Census, 2024)
30 of the 91 programs here set their income limit as a share of Volusia County’s area median income, adjusted for household size. See the published limits for Volusia County
Free help nearbyFree help near New Smyrna Beach
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask 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
New Smyrna Beach questions
Does New Smyrna Beach have its own down payment program?
No program run for New Smyrna Beach alone is listed. A home in New Smyrna Beach can use the 3 programs that cover Volusia County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in New Smyrna Beach?
2 of New Smyrna Beach’s 3 local and county programs accept condos. Habitat for Humanity of Volusia County lists single family. 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 Volusia County?
Each program sets its own. 30 of the programs here set theirs as a share of HUD’s area median income for Volusia 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 New Smyrna Beach?
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
32168 · 32169 · 32170
Nearby in Volusia
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.