Palm Beach County, Florida: What It Costs to Buy a Home
The median home in Palm Beach County is worth $645,000, property taxes on it run about $3,600 a year (0.88%), the FHA loan limit is $667,000, and closing on it means about $4,515 in transfer tax plus $3,325 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $645,000 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $3,600 a year, 0.88% of value | Property tax page → |
| FHA loan limit (1 unit) | $667,000 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $4,515 | Florida transfer tax page → |
| Title insurance on the median home | $3,300 owner's + $25 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $156 | Recording fees page → |
| Closing costs from these items | $7,996 | Closing costs page → |
| Down payment help | 2 local programs found | First-time buyer page → |
| Area median income (HUD, family of 4) | $107,600; low-income limit $102,800 | Income limits page → |
Frequently asked questions
How much do homes cost in Palm Beach County?
The median owner-occupied home in Palm Beach County is valued at $645,000, per MIAMI Association of Realtors / MIAMI SEFMLS - Palm Beach County Total Home Sales Rise for Sixth Consecutive Month (March 2026 statistics).
How much are property taxes in Palm Beach County?
The median Palm Beach County homeowner pays $3,600 a year in real estate taxes, about 0.88% of the median home value ($3,871 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Palm Beach County?
$667,000 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Palm Beach County?
On the $645,000 median home: transfer tax $4,515, title insurance $3,325 for both policies, recording fees about $156, about $7,996 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Palm Beach County?
HUD's FY 2026 median family income for Palm Beach County (West Palm Beach-Boca Raton, FL HUD Metro FMR Area) is $107,600. A family of four counts as low income below $102,800 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Florida counties
- Okeechobee County $179,000
- Orange County $370,000
- Osceola County $317,600
- Pasco County $265,800
- Pinellas County $319,000
- Polk County $240,000
Sources
- MIAMI Association of Realtors / MIAMI SEFMLS - Palm Beach County Total Home Sales Rise for Sixth Consecutive Month (March 2026 statistics)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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