Deferred second loan
City of Sarasota SHIP Program
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Sarasota County
Buying a home in Sarasota, FL
1 Sarasota program, 3 county programs and 26 statewide.Sarasota has 1 program of its own, 3 more across Sarasota 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.
Find my programs Free · No credit pull · 90 seconds
Only for Sarasota addresses
Sarasota’s own program
Anywhere in SarasotaAnywhere in Sarasota County
3 county programs3 county programs a Sarasota homebuyer can also use
The Sarasota marketThe Sarasota housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Sarasota
- 39% single-familysingle-family
- 10.4% townhousetownhouse
- 6% 2–4 units2–4 units
- 40.7% 5+ unitscondo & apartment buildings (5+ units)
- 3.9% mobile & othermobile home & other
Condos count. 2 of Sarasota’s 4 local and county programs accept condos. Habitat for Humanity Sarasota lists single family. Sarasota County Habitat for Humanity South lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Sarasota’s homes were built
pre-19401970s2020+
58.4%
of Sarasota 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.
$109,700
County area median income, 4 people (HUD)HUD area median income, Sarasota County, 4-person household (2026)
$72,105
Sarasota median household incomeMedian household income in Sarasota (Census, 2024)
31 of the 92 programs here set their income limit as a share of Sarasota County’s area median income, adjusted for household size. See the published limits for Sarasota County
Free help nearbyFree help near Sarasota
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Sarasota questions
Does Sarasota have its own down payment program?
Yes, one: City of Sarasota SHIP Program, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Sarasota.
Can I use assistance on a condo in Sarasota?
2 of Sarasota’s 4 local and county programs accept condos. Habitat for Humanity Sarasota lists single family. Sarasota County Habitat for Humanity South 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 Sarasota County?
Each program sets its own. 31 of the programs here set theirs as a share of HUD’s area median income for Sarasota 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 Sarasota?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Sarasota. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
34230 · 34231 · 34232 · 34233 · 34234 · 34235 · 34236 · 34237 · 34238 · 34239 · 34240 · 34241 · 34242 · 34243 · 34276 · 34277 · 34278
Nearby in Sarasota
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.