Palm Beach County
West Palm Beach Mortgage Loan Officer
West Palm Beach prices change a lot from one ZIP code to the next, so a financing plan starts with the specific neighborhood and property. I lend throughout Florida, including Palm Beach County. Here is what the latest MIAMI REALTORS data shows, plus the programs and condo rules that may apply.
Last updated October 10, 2026
Market snapshot: citywide and by ZIP
In Q2 2026, West Palm Beach single-family homes had 311 closed sales, up 32.3%, at a median of $651,000, up 1.7%. Townhouses and condos had 247 closed sales, up 28.6%, at a median of $364,500, up 13.7%. Palm Beach County's medians were $675,000 for single-family homes, up 6.3%, and $335,000 for condos, up 4.7%.
ZIP-level reports show the spread. In downtown's 33401, the condo median was $517,500, up 23.2%, and the single-family median was $1,100,000, down 6.0%. In 33411, condos had a $275,000 median, up 0.9%, and single-family homes $550,000, flat.
What the price range means for financing
A downtown single-family home near the 33401 median would generally exceed the FHFA's $832,750 conforming limit, which Palm Beach County uses, so a jumbo loan may be needed. Much of the rest of the city's inventory falls under that limit, where conventional, FHA, or VA financing may fit, subject to underwriting.
Down payment help
Statewide help with upfront costs may be available; see the first-time buyer page for current status.
Local rules: coastal condos
Florida's milestone inspection law applies to condo buildings of three or more habitable stories: the first inspection comes at 30 years, or at 25 years for buildings within three miles of the coast where the local enforcement agency requires it, with follow-ups every 10 years. Resale buyers also get seven days, excluding weekends and legal holidays, to review association documents and cancel under HB 913.
Condo project review
Fannie Mae's LL-2026-03 ended Limited Review for applications dated on or after August 3, 2026, so many West Palm Beach condo loans will involve a Full Review of the project's budget, reserves, and insurance.
Why the ZIP code comes first
In 33411, the condo median of $275,000 and the single-family median of $550,000 both sat well below the $832,750 conforming limit, while downtown 33401 single-family homes did not. That contrast is why a financing plan here starts with the ZIP code and the specific property.
Market data as of Q2 2026. Statistics are historical, from third-party sources, and not a forecast.
Loan programs for West Palm Beach buyers
Related guides
West Palm Beach mortgage FAQs
Why do West Palm Beach prices vary so much?
ZIP-level data shows wide differences. In Q2 2026, downtown 33401 had a $1,100,000 single-family median, while 33411 had $550,000, according to MIAMI REALTORS.
When does a coastal condo need a milestone inspection?
For buildings of three or more habitable stories, at 30 years, or at 25 years within three miles of the coast where the local enforcement agency requires it, then every 10 years.
Which loan types may fit West Palm Beach prices?
A downtown 33401 single-family home near its $1,100,000 median would generally exceed the $832,750 conforming limit and may need a jumbo loan. Much of the rest of the city's inventory falls under that limit, where conventional, FHA, or VA financing may fit, subject to underwriting.
Nearby areas
Ready to see what you qualify for?
Apply online in minutes, or estimate your payment first.
Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Program availability, terms, and guidelines may change without notice. Information is for educational purposes only.