Last updated: August 24, 2026

If you're considering Florida's Hometown Heroes Program, one of the first questions to answer is whether your income falls within the program limit for the county where you plan to purchase a home.

Hometown Heroes income limits are not the same throughout Florida. Miami-Dade, Broward, Palm Beach, Monroe and other higher-cost areas have different limits than many other Florida counties.

The applicable limit can also depend on the type of first mortgage being used. FHA, VA and eligible conventional financing generally use one Hometown Heroes income limit, while USDA financing has a separate income limit.

This guide provides the 2026 Florida Hometown Heroes income and maximum first-mortgage limits for all 67 Florida counties, with additional information for buyers in Miami-Dade, Broward, Palm Beach and Monroe counties.

Important: Program requirements, funding availability, income limits and mortgage limits can change. Eligibility should be confirmed before relying on these figures for a home purchase.

The Hometown Heroes income limit is the maximum qualifying income a borrower may have for the program in the county where the property is being purchased.

For the Hometown Heroes financing option described on this page, Florida Housing generally uses the credit-qualifying income used to qualify the mortgage rather than simply adding the gross income of everyone who will live in the home.

This distinction can be important.

For example, a married buyer whose spouse is not a borrower may have a different program-income calculation than a married couple who are both borrowers and use both incomes to qualify for the mortgage.

If your income is close to the applicable limit, it is worth having the calculation reviewed before assuming that you either qualify or do not qualify.

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