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City · 60,959 residents · Palm Beach County, Florida

Palm Beach Gardens , Florida

In Palm Beach Gardens, a typical home is worth $606,100 and typical rent is $2,417 a month. Compared with all of Palm Beach County, the typical home value is 36% higher and typical household income is 28% higher.

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  • Typical home value

    $606,100

    36% above the county

    69% above Florida

    • Palm Beach Gardens
    • Palm Beach
    • Florida

  • Typical rent

    $2,417a month

    26% above the county

    45% above Florida

    • Palm Beach Gardens
    • Palm Beach
    • Florida

  • Typical household income

    $106,947a year

    28% above the county

    43% above Florida

    • Palm Beach Gardens
    • Palm Beach
    • Florida

  • Households that own their home

    73%

    3 points above the county

    5 points above Florida

    • Palm Beach Gardens
    • Palm Beach
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$696,122
4.4% more than 12 months ago
Typical rent
$2,839 a month
5.4% more than 12 months ago

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

Palm Beach Gardens 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 Palm Beach Gardens apart

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

  1. Nearby, in Riviera Beach, the typical home value is $354,500: 42% less than in Palm Beach Gardens ($606,100).

  2. Nearby, in Lake Park, the typical rent is $1,600: 34% less than in Palm Beach Gardens ($2,417).

  3. The typical home in Palm Beach Gardens is worth $606,100, 36% more than in Palm Beach County as a whole ($447,300).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Palm Beach Gardens rose 4.4%; in Florida, it fell 0.9%.

  5. Palm Beach Gardens has the 25th highest typical rent of the 471 cities in Florida with more than 5,000 people ($2,417).

  6. The typical household income in Palm Beach Gardens is $106,947, 28% more than in Palm Beach County as a whole ($83,581).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Palm Beach Gardens

What homes there are in Palm Beach Gardens, 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

In Palm Beach Gardens there is a bit of everything: no kind of home reaches half. The most common are detached houses (47%), as in Palm Beach County.

Year built

Homes in Palm Beach Gardens are newer: the typical year built is 1995; in Palm Beach County, 1986.

There is more room for a big family here: 61% of homes have 3 bedrooms or more, against 51% in Palm Beach County.

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

With an FHA loan, the cap for Palm Beach County is $667,000. About 55% of owner-occupied homes in Palm Beach Gardens are worth less than that.

Monthly rent with utilities

With a mortgage

$2,737 a month

Palm Beach County: $2,383 a month

Without a mortgage

$1,271 a month

Palm Beach County: $951 a month

Owners with a mortgage

47%

Palm Beach County: 52%

In Palm Beach Gardens, 47% of owners have a mortgage, and their typical cost is $2,737 a month, against $2,383 in Palm Beach County. Without one it drops to $1,271.

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

Much as in Palm Beach County, the typical home value in Palm Beach Gardens rose 60% since 2015–2019.

The typical rent in Palm Beach Gardens rose 42% over the same time; in Palm Beach County, it rose 37%.

Here income did not keep up with housing: it rose 22%, while home values changed +60% and rent +42%.

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

MeasurePalm Beach GardensPalm Beach CountyFloridaUnited States
Rental vacancy 8.2%7.3%7.6%5.5%
Homeowner vacancy Unreliable estimate1.5%1.4%0.9%
More than one person per room Unreliable estimate3.3%3.3%3.4%
People per household 2.212.492.512.53
Drive alone 69%70%70%69%
Carpool 8%10%9%9%
Public transit Unreliable estimate2%1%3%
Walk or bike 2%2%2%3%
Work from home 20%15%16%15%
Other means 1%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Palm Beach Gardens, the rental vacancy rate is 8.2%, about the same as in Palm Beach County.

Fewer people live in each home here: 2.21 on average, against 2.49 in Palm Beach County.

In Palm Beach Gardens, 20% of workers work from home, more than in Palm Beach County (15%).

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 Palm Beach Gardens?

A typical home costs more than the typical income allows

We start with a typical home in Palm Beach Gardens, worth $606,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Palm Beach Gardens, which is $106,947 a year. For that payment to be 28% of income, a household would need to earn about $215,657 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 Palm Beach Gardens. 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 $21,214 (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

$5,032

at 7.18% · 30 years

Loan amount
$595,122
Total interest
$856,240
Paid off in
November 2056

Includes $10,236 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,495 a month

  • Tight

    $2,495 to $3,208 a month

  • Hard

    more than $3,208 a month

    Your payment · 56%

Compared with the typical household income in Palm Beach Gardens ($106,947 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,032
Principal & interest$4,032
Property tax$480
Home insurance$253
FHA mortgage insurance (MIP)$268

You need at least $21,214 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

Palm Beach Gardens and Palm Beach County

Palm Beach Gardens 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).

Palm Beach Gardens's own numbers

Typical home value
$606,100
Typical monthly rent
$2,417
Typical yearly household income
$106,947
Households that own their home
73%
Effective property tax rate
0.95%

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 Palm Beach Gardens

A typical home in Palm Beach Gardens is worth $606,100: 36% above the county and 69% above Florida. With the typical household income in Palm Beach Gardens ($106,947 a year), a typical home costs 5.7 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.

  • Palm Beach Gardens 5.7 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

Palm Beach Gardens 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
  • Palm Beach Gardens $606,100
  • Palm Beach $447,300
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Palm Beach Gardens $2,417
  • Palm Beach $1,916
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Palm Beach Gardens $106,947
  • Palm Beach $83,581
  • Florida $74,568
  • United States $80,734
See the full table
Palm Beach Gardens next to Palm Beach County and Florida
Measure Palm Beach Gardens Palm Beach County Florida U.S.
Typical home value $606,100 $447,300 $359,000 $332,700
Typical monthly rent $2,417 $1,916 $1,669 $1,413
Typical yearly household income $106,947 $83,581 $74,568 $80,734
Households that own their home 73% 70% 68% 65%
Typical yearly property tax $5,772 $3,858 $2,730 $3,119
Effective property tax rate 0.95% 0.86% 0.76% 0.94%
Renters with high rent for their income 57% 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 Palm Beach Gardens

For a typical $606,100 home in Palm Beach Gardens, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Palm Beach Gardens's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,032a month

    Least cash to close
    Down payment
    $21,214
    Cash to close
    $39,397
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $268

  • Conventional, 5% down $4,921a month

    Down payment
    $30,305
    Cash to close
    $48,488
    Rate
    7.18%
    Mortgage insurance
    PMI · $288

  • Conventional, 20% down, no PMI $4,017a month

    Down payment
    $121,220
    Cash to close
    $139,403
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,577a month

    Down payment
    $90,915
    Cash to close
    $109,098
    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 Palm Beach Gardens and for Palm Beach County.

Property tax

Effective rate in Palm Beach Gardens

0.95%of the home’s value each year

$5,772 a year for the typical owner in Palm Beach Gardens.

  • Palm Beach Gardens 0.95%
  • 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 Palm Beach Gardens

Typical rent in Palm Beach Gardens is $2,417 a month: 26% above the county. In Palm Beach Gardens, 57% 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 Palm Beach Gardens

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Palm Beach Gardens has 3 ZIP codes with their own.

For 2 bedrooms it runs from $2,640 in 33412 to $3,020 in 33418.

3 of the 3 are above the fair market rent for Palm Beach County ($2,349).

  • 33410 $2,710$3,520
  • 33412 $2,640$3,430
  • 33418 $3,020$3,920

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Palm Beach Gardens 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 Palm Beach Gardens

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 man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Palm Beach Gardens

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Palm Beach Gardens

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

  • Real Estate, Education and Community Housing, Inc.

    8409 N Military Trl Ste 112, West Palm Beach · 5 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (561) 491-1670

  • Housing Partnership, Inc.

    2001 W Blue Heron Blvd, Riviera Beach · 7 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (561) 841-3500

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

    1325 N Congress Ave, West Palm Beach · 10 miles away · Spanish

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

Every agency in Palm Beach County All counseling agencies in Florida

Help in Spanish near Palm Beach Gardens

3 of the 3 agencies on this list say they serve 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 Palm Beach Gardens

HUD’s record names them for Palm Beach Gardens 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 Palm Beach Gardens, 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 Palm Beach Gardens.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Palm Beach Gardens

Short answers with the numbers for Palm Beach Gardens 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 Palm Beach Gardens?

The typical home value in Palm Beach Gardens is $606,100, 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 Palm Beach Gardens?

Typical rent in Palm Beach Gardens is $2,417 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 Palm Beach Gardens?

Palm Beach Gardens 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 Palm Beach Gardens?

The typical homeowner in Palm Beach Gardens pays $5,772 a year, according to the U.S. Census Bureau. That is 0.95% 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 Palm Beach Gardens?

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).