Forgivable loan
City of St. Petersburg Down Payment Assistance
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Pinellas County
Buying a home in St. Petersburg, FL
1 St. Petersburg program, 3 county programs and 26 statewide.St. Petersburg has 1 program of its own, 3 more across Pinellas 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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Only for St. Petersburg addresses
St. Petersburg’s own program
Anywhere in PinellasAnywhere in Pinellas County
3 county programs3 county programs a St. Petersburg homebuyer can also use
2 more programs are for homes in Clearwater and Largo. See them 2 programs in neighboring cities — for homes inside those cities, not St. Petersburg
- Clearwater — City of Clearwater Homebuyer Purchase Assistance
- Largo — City of Largo - Sold on Largo Program
The St. Petersburg marketThe St. Petersburg housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in St. Petersburg
- 55.3% single-familysingle-family
- 3.4% townhousetownhouse
- 7% 2–4 units2–4 units
- 32% 5+ unitscondo & apartment buildings (5+ units)
- 2.3% mobile & othermobile home & other
Condos count. 3 of St. Petersburg’s 4 local and county programs accept condos. Habitat for Humanity of Pinellas and West Pasco Counties lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When St. Petersburg’s homes were built
pre-19401970s2020+
70.1%
of St. Petersburg 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.
$104,700
County area median income, 4 people (HUD)HUD area median income, Pinellas County, 4-person household (2026)
$75,192
St. Petersburg median household incomeMedian household income in St. Petersburg (Census, 2024)
31 of the 92 programs here set their income limit as a share of Pinellas County’s area median income, adjusted for household size. See the published limits for Pinellas County
Free help nearbyFree help near St. Petersburg
6 HUD-approved counseling agencies within 15 miles6 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.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
St. Petersburg questions
Does St. Petersburg have its own down payment program?
Yes, one: City of St. Petersburg Down Payment Assistance, a forgivable loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside St. Petersburg.
Can I use assistance on a condo in St. Petersburg?
3 of St. Petersburg’s 4 local and county programs accept condos. Habitat for Humanity of Pinellas and West Pasco Counties 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 Pinellas County?
Each program sets its own. 31 of the programs here set theirs as a share of HUD’s area median income for Pinellas 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 St. Petersburg?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of St. Petersburg. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
33701 · 33702 · 33703 · 33704 · 33705 · 33706 · 33707 · 33708 · 33709 · 33710 · 33711 · 33712 · 33713 · 33714 · 33715 · 33716 · 33728 · 33729 · 33730 · 33731 · 33732 · 33733 · 33734 · 33736 · 33737 · 33738 · 33740 · 33741 · 33742 · 33743 · 33747 · 33784
Nearby in Pinellas
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.