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City · 40,344 residents · Palm Beach County, Florida

Royal Palm Beach , Florida

In Royal Palm Beach, a typical home is worth $437,700 and typical rent is $2,273 a month. Compared with all of Palm Beach County, typical rent is 19% higher, typical household income is 15% higher, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $437,700

    2% below the county

    22% above Florida

    • Royal Palm Beach
    • Palm Beach
    • Florida

  • Typical rent

    $2,273a month

    19% above the county

    36% above Florida

    • Royal Palm Beach
    • Palm Beach
    • Florida

  • Typical household income

    $96,027a year

    15% above the county

    29% above Florida

    • Royal Palm Beach
    • Palm Beach
    • Florida

  • Households that own their home

    82%

    12 points above the county

    15 points above Florida

    • Royal Palm Beach
    • Palm Beach
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$488,691
2.2% more than 12 months ago
Typical rent
$2,856 a month
3.4% more than 12 months ago

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

Royal Palm 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 Royal Palm Beach apart

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

  1. Nearby, in Westgate, the typical home value is $251,300: 43% less than in Royal Palm Beach ($437,700).

  2. Nearby, in Westgate, the typical rent is $1,421: 37% less than in Royal Palm Beach ($2,273).

  3. 82% of households in Royal Palm Beach own their home, against 70% in Palm Beach County.

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Royal Palm Beach rose 2.2%; in Florida, it fell 0.9%.

  5. The typical rent in Royal Palm Beach is $2,273 a month, 19% more than in Palm Beach County as a whole ($1,916).

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

The homes here

Housing in Royal Palm Beach

What homes there are in Royal Palm 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

Detached houses, standing on their own, make up 65% of homes here, against 46% in Palm Beach County.

Year built

Homes in Royal Palm Beach are newer: the typical year built is 1990; in Palm Beach County, 1986.

There is more room for a big family here: 75% 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
Monthly rent with utilities

With a mortgage

$2,228 a month

Palm Beach County: $2,383 a month

Without a mortgage

$780 a month

Palm Beach County: $951 a month

Owners with a mortgage

73%

Palm Beach County: 52%

In Royal Palm Beach, 73% of owners have a mortgage, and their typical cost is $2,228 a month, against $2,383 in Palm Beach County. Without one it drops to $780.

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 typical home value in Royal Palm Beach rose 60% since 2015–2019, about the same as in Palm Beach County (58%).

Rents in Royal Palm Beach rose more slowly than in Palm Beach County: 30% since 2015–2019, against 37%.

The typical household income in Royal Palm Beach rose 16%: less than home values (+60%) and rent (+30%).

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

MeasureRoyal Palm BeachPalm Beach CountyFloridaUnited States
Rental vacancy Unreliable estimate7.3%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 2.862.492.512.53
Drive alone 77%70%70%69%
Carpool 9%10%9%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 9%15%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.86 on average, against 2.49 in Palm Beach County.

The car rules in Royal Palm Beach: 77% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.

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 Royal Palm Beach?

A typical home costs more than the typical income allows

We start with a typical home in Royal Palm Beach, worth $437,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Royal Palm Beach, which is $96,027 a year. For that payment to be 28% of income, a household would need to earn about $152,612 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 Royal Palm 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 $15,320 (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

$3,561

at 7.18% · 30 years

Loan amount
$429,772
Total interest
$618,341
Paid off in
November 2056

Includes $7,392 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,241 a month

  • Tight

    $2,241 to $2,881 a month

  • Hard

    more than $2,881 a month

    Your payment · 45%

Compared with the typical household income in Royal Palm Beach ($96,027 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,561
Principal & interest$2,911
Property tax$274
Home insurance$182
FHA mortgage insurance (MIP)$194

You need at least $15,320 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

Royal Palm Beach and Palm Beach County

Royal Palm 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).

Royal Palm Beach's own numbers

Typical home value
$437,700
Typical monthly rent
$2,273
Typical yearly household income
$96,027
Households that own their home
82%
Effective property tax rate
0.75%

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 Royal Palm Beach

A typical home in Royal Palm Beach is worth $437,700: 2% below the county and 22% above Florida. With the typical household income in Royal Palm Beach ($96,027 a year), a typical home costs 4.6 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.

  • Royal Palm Beach 4.6 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

Royal Palm 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
  • Royal Palm Beach $437,700
  • Palm Beach $447,300
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Royal Palm Beach $2,273
  • Palm Beach $1,916
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Royal Palm Beach $96,027
  • Palm Beach $83,581
  • Florida $74,568
  • United States $80,734
See the full table
Royal Palm Beach next to Palm Beach County and Florida
Measure Royal Palm Beach Palm Beach County Florida U.S.
Typical home value $437,700 $447,300 $359,000 $332,700
Typical monthly rent $2,273 $1,916 $1,669 $1,413
Typical yearly household income $96,027 $83,581 $74,568 $80,734
Households that own their home 82% 70% 68% 65%
Typical yearly property tax $3,278 $3,858 $2,730 $3,119
Effective property tax rate 0.75% 0.86% 0.76% 0.94%
Renters with high rent for their income 55% 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 Royal Palm Beach

For a typical $437,700 home in Royal Palm Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Royal Palm Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,561a month

    Least cash to close
    Down payment
    $15,320
    Cash to close
    $28,451
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $194

  • Conventional, 5% down $3,481a month

    Down payment
    $21,885
    Cash to close
    $35,016
    Rate
    7.18%
    Mortgage insurance
    PMI · $208

  • Conventional, 20% down, no PMI $2,828a month

    Down payment
    $87,540
    Cash to close
    $100,671
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,233a month

    Down payment
    $65,655
    Cash to close
    $78,786
    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 Royal Palm Beach and for Palm Beach County.

Property tax

Effective rate in Royal Palm Beach

0.75%of the home’s value each year

$3,278 a year for the typical owner in Royal Palm Beach.

  • Royal Palm Beach 0.75%
  • 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 Royal Palm Beach

Typical rent in Royal Palm Beach is $2,273 a month: 19% above the county. In Royal Palm Beach, 55% 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 Royal Palm Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Royal Palm Beach is in ZIP code 33411.

For 2 bedrooms it is $2,450: $101 more than the fair market rent for Palm Beach County ($2,349).

  • 33411 $2,450$3,180

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Royal Palm 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 Royal Palm 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 man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Royal Palm Beach

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Royal Palm Beach

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

  • Housing Foundation of America - Lake Worth Florida

    8461 Lake Worth Rd, Lake Worth · 6 miles away

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

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

    1325 N Congress Ave, West Palm Beach · 9 miles away · Spanish

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

  • Urban League of Palm Beach County, Inc.

    1700 N Australian Ave, West Palm Beach · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (561) 833-1461

Every agency in Palm Beach County All counseling agencies in Florida

Help in Spanish near Royal Palm Beach

2 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 Royal Palm Beach

HUD’s record names them for Royal Palm 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 Royal Palm 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 Royal Palm Beach.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Royal Palm Beach

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

The typical home value in Royal Palm Beach is $437,700, 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 Royal Palm Beach?

Typical rent in Royal Palm Beach is $2,273 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 Royal Palm Beach?

Royal Palm 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 Royal Palm Beach?

The typical homeowner in Royal Palm Beach pays $3,278 a year, according to the U.S. Census Bureau. That is 0.75% 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 Royal Palm 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).