By Phil Ganz
Edited by Ryan Skerritt
Florida Hometown Heroes Program Income Limit Updates Starting July 1st, 2025
The Florida Hometown Heroes Program has updated its income limits starting July 2025.
This update makes it easier for more people to qualify for help buying a home.
Compared to 2024, the income limits have gone up by about 8-12% across all Florida counties.
This means more homebuyers can get financial support to purchase their homes.
Florida Hometown Heroes 2025 Income Limits Table
The table below shows the 2025 income limits for the Florida Hometown Heroes Program, set at 150% of the Area Median Income (AMI) for all Florida counties, effective July 2025.
These limits apply to FHA, VA, HFA Preferred Heroes, and HFA Advantage Heroes programs, helping more homebuyers qualify for assistance.
| County | 2025 Income Limit ($) |
|---|---|
| Alachua | 160,050 |
| Baker | 137,250 |
| Bay | 141,150 |
| Bradford | 125,700 |
| Brevard | 149,850 |
| Broward | 144,300 |
| Calhoun | 102,900 |
| Charlotte | 142,200 |
| Citrus | 108,750 |
| Clay | 153,750 |
| Collier | 170,400 |
| Columbia | 107,850 |
| DeSoto | 96,600 |
| Dixie | 93,600 |
| Duval | 153,750 |
| Escambia | 150,300 |
| Flagler | 139,200 |
| Franklin | 111,150 |
| Gadsden | 138,450 |
| Gilchrist | 160,050 |
| Glades | 79,950 |
| Gulf | 127,500 |
| Hamilton | 84,450 |
| Hardee | 98,100 |
| Hendry | 93,600 |
| Hernando | 147,600 |
| Highlands | 99,600 |
| Hillsborough | 147,600 |
| Holmes | 95,400 |
| Indian River | 139,800 |
| Jackson | 95,400 |
| Jefferson | 138,450 |
| Lafayette | 109,350 |
| Lake | 147,150 |
| Lee | 138,750 |
| Leon | 138,450 |
| Levy | 100,950 |
| Liberty | 99,600 |
| Madison | 102,450 |
| Manatee | 159,150 |
| Marion | 114,300 |
| Martin | 133,950 |
| Miami-Dade | 130,800 |
| Monroe | 177,000 |
| Nassau | 153,750 |
| Okaloosa | 153,000 |
| Okeechobee | 98,100 |
| Orange | 147,150 |
| Osceola | 147,150 |
| Palm Beach | 167,700 |
| Pasco | 147,600 |
| Pinellas | 147,600 |
| Polk | 124,950 |
| Putnam | 109,500 |
| Santa Rosa | 150,300 |
| Sarasota | 159,150 |
| Seminole | 147,150 |
| St. Johns | 153,750 |
| St. Lucie | 133,950 |
| Sumter | 154,050 |
| Suwannee | 103,800 |
| Taylor | 88,950 |
| Union | 121,350 |
| Volusia | 126,150 |
| Wakulla | 138,450 |
| Walton | 149,250 |
| Washington | 104,700 |
Understanding Income Limits for the Florida Hometown Heroes Program
The income limits for the Florida Hometown Heroes Program are there to help decide who can get financial help to buy a home.
These limits show the maximum amount a household can earn and still qualify for assistance, like down payment help or special loans.
If your income is at or below the limit listed for your county, you may be eligible to receive support, making it easier to afford a home and achieve your homeownership dreams.
How to Determine Your Eligibility Based on Income
To calculate your household income, start by adding up the annual gross income of each member of your household, which includes wages, salaries, bonuses, and any other earnings before taxes.
Include income from other sources such as investments, rental properties, and alimony. Make sure to count income from all jobs held by each household member.
Finally, total all these amounts to get your household's combined annual income.
What counts as income for the program?
The Florida Hometown Heroes Program considers several types of income to determine eligibility. This includes all wages or salaries before taxes, as well as tips, bonuses, and overtime pay.
If you are self-employed, your net profit from your business is counted.
Additionally, government benefits, pensions, and regular financial support from family members or other sources are included in your household income.
Tips for Qualifying Based on Income
Here are 10 helpful tips for qualifying with your income:
- Know your gross income, which includes wages, salaries, bonuses, and other earnings.
- Count income from all sources, such as investments, rental properties, alimony, and government benefits.
- Most lenders require at least two years of consistent employment, so ensure your job history is stable.
- If your income alone isn’t enough, consider having a co-signer with a stronger financial profile to help you qualify.
- Reducing your debt-to-income ratio by paying off existing debts can improve your chances of qualifying.
- Higher credit scores can enhance your eligibility and offer better loan terms, so work on improving your credit if necessary.
- Some loan programs have maximum income limits, so check if your income qualifies for specific assistance programs.
- Ensure you have enough saved for the down payment and other closing costs, which might include fees and insurance.
- Look into state, local, and national homebuyer assistance programs that might provide grants or favorable loan terms.
- Before house hunting, get pre-approved for a mortgage to understand what you can afford and demonstrate your buying power to sellers.
Additional Resources for the Florida Hometown Heroes Program
Everything you need to make sure you claim your Florida homebuying assistance up to $35,000:
- How to Qualify for the Florida Hometown Heroes Program
- Florida Hometown Heroes Program - The Complete Guide
- Florida Hometown Heroes Program Calculator
- Florida Hometown Heroes Program for Veterans - Homebuyer Grants for U.S. Military
- Hometown Heroes Program FAQ and Changes in 2024
- Florida Hometown Heroes Program Challenges - Common Obstacles and Solutions
- Florida Hometown Heroes Program Loan Limits
With over 50 years of mortgage industry experience, we are here to help you achieve the American dream of owning a home. We strive to provide the best education before, during, and after you buy a home. Our advice is based on experience with Phil Ganz and Team closing over One billion dollars and helping countless families.
About Author - Phil Ganz
Phil Ganz has over 20+ years of experience in the residential financing space. With over a billion dollars of funded loans, Phil helps homebuyers configure the perfect mortgage plan. Whether it's your first home, a complex multiple-property purchase, or anything in between, Phil has the experience to help you achieve your goals.
About Editor - Ryan Skerritt
Ryan Skerritt has over 10+ years of experience in the residential financing space. With over two hundred and fifty million of funded loan volume, Ryan has the skill set to help any homebuyer configure the perfect mortgage plan.
