Buy a home in Boynton Beach with as little as 3.5% down. Here's how FHA loans work in Palm Beach County and why Boynton offers relative value on the coast.
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Boynton Beach offers a more affordable foothold on the Palm Beach County coast than neighbors like Boca Raton, with a revitalizing downtown, established neighborhoods, and a range of condos and 55-and-over communities. Because Palm Beach is a designated high-cost county, the FHA limit sits above Florida's floor — which, combined with Boynton's relative value, makes FHA genuinely workable here.
Palm Beach County is a designated high-cost area, so its 2026 single-family FHA limit is $667,000, above the $541,287 statewide floor — meaning you can finance higher-priced Boynton Beach homes than in most of Florida. Confirm Palm Beach County's exact limit with HUD's official FHA loan-limit lookup. Combined with Boynton's relative affordability, that higher limit covers a good share of local homes and condos.
Boynton Beach is where many Palm Beach County buyers find FHA-friendly prices. The area has lots of condos (including 55+ communities) — and FHA requires the building to be FHA-approved or the unit to qualify for Single-Unit Approval; see our condo guide. Note FHA is for primary residences you'll occupy. Single-family neighborhoods are simpler purchases, and Palm Beach's higher limit gives you room.
You don't have to cover the down payment alone. FHA allows gift funds, sellers can contribute up to 6% toward closing costs, and Boynton Beach buyers can often pair FHA with assistance from the Florida Housing Finance Corporation and Palm Beach County's local SHIP-funded programs. Funding and eligibility change frequently, so we'll help you confirm what's currently available — see our FHA down payment assistance guide.
We help buyers throughout Boynton Beach and Palm Beach County, including downtown Boynton, Leisureville, and the beachfront communities. Wherever you're looking, we'll explain your FHA loan limit, rate, and monthly payment — and get you pre-approved fast.
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