St. Lucie County · Florida Hometown Heroes Housing Program
St. Lucie County gets a higher Bond price limit than most of Florida, $631,710, shared with Martin, Okaloosa and Walton. Its TBA income limit is $153,600.
St. Lucie Public Schools is the public school district here, and its full-time staff qualify. Public safety roles include the St. Lucie County Sheriff's Office, the St. Lucie County Fire District, Port St. Lucie Police and Fort Pierce Police.
In Port St. Lucie and Fort Pierce alike, Bond income limits are $114,856 for 1 or 2 people and $132,085 for 3 or more, which are on the higher side for Florida.
In Lakewood Park or River Park, a $240,000 loan would bring $12,000 in help, repaid when you sell or refinance.
| Income cap, 1 or 2 people | Income cap, 3 or more | Price cap |
|---|---|---|
| $114,856 | $132,085 | $631,710 |
St. Lucie County's Bond limits are $114,856 and $132,085 with a $631,710 price cap, and its TBA limit is $153,600. Compare with the statewide table or run the budget calculator.
Full-time nurses, CNAs and techs at St. Lucie hospitals and care facilities qualify as well. The eligible jobs list has the full set of roles.
County, city and employer programs here can sometimes sit behind the state loan, or replace it. Each has its own rules about combining, and a loan officer sorts out which ones fit together.
St. Lucie County
0% deferred, 10-year, 10% forgiven annually. County site blocked automated access.
Checked against the official page, November 2026. How we fact-check
Read our full write-up Check whether I fitCity of Port St. Lucie
0% deferred; 10-year term (very low/low, 10%/yr forgiven), 30-year (moderate, 1/30 per year). City site blocked automated access.
Checked against the official page, November 2026. How we fact-check
Read our full write-up Check whether I fitThe full statewide list is on every Florida program.
Nearly every down payment program makes you finish a homebuyer class before closing. These HUD-approved agencies around St. Lucie County teach one or offer one-on-one counseling before you buy.
| Agency | Based in | How far | What they offer | Languages | How they meet |
|---|---|---|---|---|---|
| Real Estate, Education and Community Housing, Inc. | West Palm Beach | 45 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Phone |
| Housing Partnership, Inc. | Riviera Beach | 47 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone, Internet |
| We Help Communities To Develop Corporation | Belle Glade | 50 mi | homebuyer education class, pre-purchase counseling | English, French, Spanish | Face to Face, Phone, Internet |
| Urban League of Palm Beach County, Inc. | West Palm Beach | 51 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone, Internet |
| West Palm Beach Housing Authority | West Palm Beach | 54 mi | homebuyer education class, pre-purchase counseling | English | Phone |
From HUD's list of housing counseling agencies. A given program may accept only certain classes.
$631,710 outside targeted areas.
Yes, if full-time.
5% is $12,000. Your lender confirms the exact figure.
Nearby guides: Miami-Dade · Broward · Palm Beach · Hillsborough · Orange · Duval · Pinellas · Lee. Or browse all counties.
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