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City · 43,365 residents · Palm Beach County, Florida

Lake Worth Beach , Florida

In Lake Worth Beach, a typical home is worth $401,200 and typical rent is $1,545 a month. Compared with all of Palm Beach County, typical household income is 27% lower, typical rent is 19% lower, and the share of households that own their home is 24 points lower.

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  • Typical home value

    $401,200

    10% below the county

    12% above Florida

    • Lake Worth Beach
    • Palm Beach
    • Florida

  • Typical rent

    $1,545a month

    19% below the county

    7% below Florida

    • Lake Worth Beach
    • Palm Beach
    • Florida

  • Typical household income

    $61,200a year

    27% below the county

    18% below Florida

    • Lake Worth Beach
    • Palm Beach
    • Florida

  • Households that own their home

    46%

    24 points below the county

    22 points below Florida

    • Lake Worth Beach
    • Palm Beach
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$442,035
1.4% more than 12 months ago
Typical rent
$2,357 a month
3.3% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Lake Worth Beach is in Palm Beach County. The FHA loan limit ($667,000 for a one-unit home), the fair market rents and the help on this page are those of all of Palm Beach County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lake Worth Beach apart

What this place has that others do not, from public data, most unusual first.

  1. 46% of households in Lake Worth Beach own their home, against 70% in Palm Beach County.

  2. Nearby, in Westgate, the typical home value is $251,300: 37% less than in Lake Worth Beach ($401,200).

  3. The typical household income in Lake Worth Beach is $61,200, 27% less than in Palm Beach County as a whole ($83,581).

  4. The typical rent in Lake Worth Beach is $1,545 a month, 19% less than in Palm Beach County as a whole ($1,916).

  5. 14% of households in Lake Worth Beach have no internet at home (5% in Palm Beach County).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Lake Worth Beach

What homes there are in Lake Worth Beach, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Homes in Lake Worth Beach are varied: detached houses are the largest group (47%), about the same as in Palm Beach County.

Year built

Homes in Lake Worth Beach are older: the typical year built is 1969; in Palm Beach County, 1986.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Palm Beach County is $667,000, and about 86% of owner-occupied homes in Lake Worth Beach are worth less than that.

Monthly rent with utilities

With a mortgage

$2,298 a month

Palm Beach County: $2,383 a month

Without a mortgage

$751 a month

Palm Beach County: $951 a month

Owners with a mortgage

56%

Palm Beach County: 52%

In Lake Worth Beach, 56% of owners have a mortgage; their typical cost is $2,298 a month, about the same as in Palm Beach County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The boundaries of Lake Worth Beach changed since 2015–2019, so the Census does not compare its figures from then and now. In Palm Beach County, the typical home value rose 58%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureLake Worth BeachPalm Beach CountyFloridaUnited States
Rental vacancy 6.9%7.3%7.6%5.5%
Homeowner vacancy Unreliable estimate1.5%1.4%0.9%
More than one person per room 11.5%3.3%3.3%3.4%
People per household 2.752.492.512.53
Drive alone 61%70%70%69%
Carpool 20%10%9%9%
Public transit 4%2%1%3%
Walk or bike 2%2%2%3%
Work from home 9%15%16%15%
Other means 5%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Palm Beach County, the rental vacancy rate in Lake Worth Beach is 6.9%.

More households are short on space in Lake Worth Beach: 11.5% have more than one person per room; in Palm Beach County, 3.3%.

Households in Lake Worth Beach are bigger: 2.75 people on average; in Palm Beach County, 2.49.

In Lake Worth Beach, 20% of workers share a car to get to work; in Palm Beach County, 10%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Lake Worth Beach?

A typical home costs more than the typical income allows

We start with a typical home in Lake Worth Beach, worth $401,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 65% of the typical household income in Lake Worth Beach, which is $61,200 a year. For that payment to be 28% of income, a household would need to earn about $141,462 a year.

The calculator's FHA and conventional loan limits are those of all of Palm Beach County.

Your numbers

Local data
$

Starts at the typical home value in Lake Worth Beach. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $14,042 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,301

at 7.18% · 30 years

Loan amount
$393,933
Total interest
$566,778
Paid off in
November 2056

Includes $6,775 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,428 a month

  • Tight

    $1,428 to $1,836 a month

  • Hard

    more than $1,836 a month

    Your payment · 65%

Compared with the typical household income in Lake Worth Beach ($61,200 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,301
Principal & interest$2,669
Property tax$288
Home insurance$167
FHA mortgage insurance (MIP)$177

You need at least $14,042 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Lake Worth Beach and Palm Beach County

Lake Worth Beach is in Palm Beach County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Lake Worth Beach's own numbers

Typical home value
$401,200
Typical monthly rent
$1,545
Typical yearly household income
$61,200
Households that own their home
46%
Effective property tax rate
0.86%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Palm Beach County

FHA limit, one-unit home
$667,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,349
Price change over 5 years (FHFA)
+71%
Homes in a high flood-risk zone
8.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Palm Beach County.

Everything about Palm Beach County

Buying

Buying a home in Lake Worth Beach

A typical home in Lake Worth Beach is worth $401,200: 10% below the county and 12% above Florida. With the typical household income in Lake Worth Beach ($61,200 a year), a typical home costs 6.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Lake Worth Beach 6.6 years
  • Palm Beach 5.4 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Palm Beach County

According to FHFA’s house price index, home prices in Palm Beach County rose 139% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Palm Beach County.

Period County Florida U.S.
Last year (2025) +1.2% −0.5% +2.9%
5 years (2020–2025) +71% +60% +47%
10 years (2015–2025) +139% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Lake Worth Beach next to Palm Beach County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Lake Worth Beach $401,200
  • Palm Beach $447,300
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Lake Worth Beach $1,545
  • Palm Beach $1,916
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Lake Worth Beach $61,200
  • Palm Beach $83,581
  • Florida $74,568
  • United States $80,734
See the full table
Lake Worth Beach next to Palm Beach County and Florida
Measure Lake Worth Beach Palm Beach County Florida U.S.
Typical home value $401,200 $447,300 $359,000 $332,700
Typical monthly rent $1,545 $1,916 $1,669 $1,413
Typical yearly household income $61,200 $83,581 $74,568 $80,734
Households that own their home 46% 70% 68% 65%
Typical yearly property tax $3,439 $3,858 $2,730 $3,119
Effective property tax rate 0.86% 0.86% 0.76% 0.94%
Renters with high rent for their income 66% 62% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Palm Beach County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Lake Worth Beach

For a typical $401,200 home in Lake Worth Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lake Worth Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,301a month

    Least cash to close
    Down payment
    $14,042
    Cash to close
    $26,078
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $177

  • Conventional, 5% down $3,227a month

    Down payment
    $20,060
    Cash to close
    $32,096
    Rate
    7.18%
    Mortgage insurance
    PMI · $191

  • Conventional, 20% down, no PMI $2,629a month

    Down payment
    $80,240
    Cash to close
    $92,276
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,000a month

    Down payment
    $60,180
    Cash to close
    $72,216
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Lake Worth Beach and for Palm Beach County.

Property tax

Effective rate in Lake Worth Beach

0.86%of the home’s value each year

$3,439 a year for the typical owner in Lake Worth Beach.

  • Lake Worth Beach 0.86%
  • Palm Beach 0.86%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Palm Beach County

FEMA does not publish these numbers by city: they are for all of Palm Beach County.

Homes in the high-risk zone
8.2%
43,577
Of those, with NFIP insurance
43%
County Florida U.S.
Homes in the high-risk zone 8.2% 13% 3.5%
Of those, with NFIP insurance 43% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lake Worth Beach

Typical rent in Lake Worth Beach is $1,545 a month: 19% below the county. In Lake Worth Beach, 66% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Palm Beach County, by unit size. To pay the 2-bedroom one ($2,349 a month) without spending more than 30% of your income, you would need to earn $45.17 an hour working full time.

HUD fair market rent for all of Palm Beach County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,907 $36.67 $76,280
1 bedroom $2,008 $38.62 $80,320
2 bedrooms $2,349 $45.17 $93,960
3 bedrooms $3,052 $58.69 $122,080
4 bedrooms $3,523 $67.75 $140,920

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Lake Worth Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lake Worth Beach has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,060 in 33460 to $2,220 in 33461.

None is above the fair market rent for Palm Beach County ($2,349).

  • 33460 $2,060$2,680
  • 33461 $2,220$2,880

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lake Worth Beach when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Lake Worth Beach

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 8 HUD-approved agencies with an office in Palm Beach County; 5 say they serve in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Lake Worth Beach

No down payment, repair or rent-help program on our list is for Lake Worth Beach or Palm Beach County. The ones below are statewide in Florida: they work in Lake Worth Beach the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Lake Worth Beach

The HUD-approved agencies closest to the center of Lake Worth Beach, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • West Palm Beach Housing Authority

    3700 Georgia Ave, West Palm Beach · 4 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (561) 655-8530

  • Credit Card MGMT Svcs, Inc DBA Reversemortgagehelper.org and Debthelper.com

    1325 N Congress Ave, West Palm Beach · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (561) 472-8000

  • Housing Foundation of America - Lake Worth Florida

    8461 Lake Worth Rd, Lake Worth · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (561) 713-1457

Every agency in Palm Beach County All counseling agencies in Florida

Help in Spanish near Lake Worth Beach

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Lake Worth Beach

HUD’s record names them for Lake Worth Beach or Palm Beach County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Palm Beach County Housing Authority Public housing and Section 8 vouchers (561) 684-2160

5 other authorities have an office in Palm Beach County: see the list Source: HUD

Cities

Other cities in Palm Beach County

These cities are also in Palm Beach County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Palm Beach County Housing in Florida
See 10 more cities in Palm Beach County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Lake Worth Beach, with the typical home value.

Neighboring counties

If Palm Beach County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Lake Worth Beach.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Lake Worth Beach

Short answers with the numbers for Lake Worth Beach and all of Palm Beach County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Lake Worth Beach?

The typical home value in Lake Worth Beach is $401,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Palm Beach County it is $447,300.

How much does it cost to rent in Lake Worth Beach?

Typical rent in Lake Worth Beach is $1,545 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Palm Beach County is $2,349.

What is the FHA loan limit in Lake Worth Beach?

Lake Worth Beach uses the FHA limit for all of Palm Beach County (2026): $667,000 for a one-unit home and $1,282,700 for a four-unit home.

How much property tax do owners pay in Lake Worth Beach?

The typical homeowner in Lake Worth Beach pays $3,439 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Palm Beach County, the rate is 0.86%.

Where can I find free help to buy or rent in Lake Worth Beach?

There are 8 HUD-approved counseling agencies with an office in Palm Beach County. 5 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).