City · 122,290 residents · Palm Beach County, Florida
West Palm Beach, Florida
In West Palm Beach, a typical home is worth $414,200 and typical rent is $1,772 a month. Compared with all of Palm Beach County, typical household income is 12% lower, typical rent is 8% lower, and the share of households that own their home is 20 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $303,358 to $404,711.
Typical rent
$2,365a month
▲ 4.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,806 to $2,365.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
West 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
What this place has that others do not, from public data, most unusual first.
1
51% of households in West Palm Beach own their home, against 70% in Palm Beach County.
2
Nearby, in Westgate, the typical home value is $251,300: 39% less than in West Palm Beach ($414,200).
3
Nearby, in Westgate, the typical rent is $1,421: 20% less than in West Palm Beach ($1,772).
4
According to Zillow, in the 12 months to September 2026 the typical home value in West Palm Beach rose 2.4%; in Florida, it fell 0.9%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in West Palm Beach
What homes there are in West 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
West Palm Beach
Palm Beach County
Florida
United States
Kind of home: West Palm Beach and its comparisons
Measure
West Palm Beach
Palm Beach County
Florida
United States
Detached house
38%
46%
55%
61%
Attached house
9%
12%
7%
6%
Building of 2 to 4
9%
9%
6%
8%
Apartments (5 or more)
44%
31%
25%
19%
Mobile home
Unreliable estimate
3%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Many people here live in apartments: 4 in 10 homes; in Palm Beach County, 3.
Year built
Before 19601960–19791980–19992000–20092010 or later
West Palm Beach
Palm Beach County
Florida
United States
Year built: West Palm Beach and its comparisons
Measure
West Palm Beach
Palm Beach County
Florida
United States
Before 1960
21%
8%
10%
26%
1960–1979
17%
26%
24%
24%
1980–1999
27%
42%
34%
25%
2000–2009
24%
16%
18%
14%
2010 or later
12%
9%
14%
11%
The typical year built in West Palm Beach is 1988, about the same as in Palm Beach County (1986).
There are fewer big homes in West Palm Beach than in Palm Beach County: 37% have 3 bedrooms or more, against 51%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K4%
$100K–$200K9%
$200K–$300K15%
$300K–$500K37%
$500K–$750K16%
FHA limit: $667,000
$750K–$1M8%
$1M or more11%
Value of owner-occupied homes: West Palm Beach and its comparisons
Measure
West Palm Beach
Under $100K
4%
$100K–$200K
9%
$200K–$300K
15%
$300K–$500K
37%
$500K–$750K
16%
$750K–$1M
8%
$1M or more
11%
The FHA loan limit for Palm Beach County is $667,000, and about 76% of owner-occupied homes in West Palm Beach are worth less than that.
Monthly rent with utilities
Under the limitOver the limit
Under $5006%
$500–$9997%
$1,000–$1,49920%
$1,500–$1,99932%
$2,000–$2,49922%
HUD fair market rent, 2 bedrooms: $2,349
$2,500–$2,9997%
$3,000 or more7%
Monthly rent with utilities: West Palm Beach and its comparisons
Measure
West Palm Beach
Under $500
6%
$500–$999
7%
$1,000–$1,499
20%
$1,500–$1,999
32%
$2,000–$2,499
22%
$2,500–$2,999
7%
$3,000 or more
7%
HUD's 2-bedroom fair market rent (FMR) for Palm Beach County is $2,349; about 80% of rents in West Palm Beach are below it.
With a mortgage
$2,326 a month
Palm Beach County: $2,383 a month
Without a mortgage
$973 a month
Palm Beach County: $951 a month
Owners with a mortgage
57%
Palm Beach County: 52%
Owning costs about the same in West Palm Beach as in Palm Beach County: with a mortgage, $2,326 a month; without one, $973.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
West Palm Beach+65%
Palm Beach County+58%
Florida+67%
United States+53%
Typical rent
West Palm Beach+36%
Palm Beach County+37%
Florida+42%
United States+33%
Typical household income
West Palm Beach+35%
Palm Beach County+32%
Florida+34%
United States+29%
Change since 2015–2019: West Palm Beach and its comparisons
Measure
West Palm Beach
Palm Beach County
Florida
United States
Typical home value
+65%
+58%
+67%
+53%
Typical rent
+36%
+37%
+42%
+33%
Typical household income
+35%
+32%
+34%
+29%
The typical home value in West Palm Beach rose 65% since 2015–2019, more than in Palm Beach County (58%).
Much as in Palm Beach County, the typical rent in West Palm Beach rose 36% since 2015–2019.
While home values in West Palm Beach changed +65% and rent +36%, the typical household income rose 35%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: West Palm Beach and its comparisons
Measure
West Palm Beach
Palm Beach County
Florida
United States
Rental vacancy
8.9%
7.3%
7.6%
5.5%
Homeowner vacancy
2.2%
1.5%
1.4%
0.9%
More than one person per room
3.7%
3.3%
3.3%
3.4%
People per household
2.25
2.49
2.51
2.53
Drive alone
70%
70%
70%
69%
Carpool
9%
10%
9%
9%
Public transit
2%
2%
1%
3%
Walk or bike
2%
2%
2%
3%
Work from home
13%
15%
16%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In West Palm Beach, the rental vacancy rate is 8.9%; in Palm Beach County, 7.3%.
More than one person per room: that is how 3.7% of households in West Palm Beach live, near the figure in Palm Beach County (3.3%).
On average, a household in West Palm Beach has 2.25 people, fewer than in Palm Beach County (2.49).
The car rules in West Palm Beach: 70% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in West Palm Beach?
A typical home costs more than the typical income allows
We start with a typical home in West Palm Beach, worth $414,200, 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 West Palm Beach, which is $73,446 a year. For that payment to be 28% of income, a household would need to earn about $147,081 a year.
The calculator's FHA and conventional loan limits are those of all of Palm Beach County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in West Palm Beach. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $14,497 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,432
at 7.18% · 30 years
Loan amount
$406,698
Total interest
$585,143
Paid off in
November 2056
Includes $6,995 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,714 a month
Tight
$1,714 to $2,203 a month
Hard
more than $2,203 a month
Your payment · 56%
Compared with the typical household income in West Palm Beach ($73,446 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,755
Property tax
$321
Home insurance
$173
FHA mortgage insurance (MIP)
$183
You need at least $14,497 for the down payment, plus closing costs.
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.
Total monthly payment $3,432; principal and interest $2,755.
The city and its county
West Palm Beach and Palm Beach County
West 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).
West Palm Beach
Map of Palm Beach County, Florida, with West Palm Beach marked. Around it, the neighboring counties.
West Palm Beach
Palm Beach County
Other cities with a page
West Palm Beach's own numbers
Typical home value
$414,200
Typical monthly rent
$1,772
Typical yearly household income
$73,446
Households that own their home
51%
Effective property tax rate
0.93%
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.
A typical home in West Palm Beach is worth $414,200: 7% below the county and 15% above Florida. With the typical household income in West Palm Beach ($73,446 a year), a typical home costs 5.6 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.
West Palm Beach5.6 years
Palm Beach5.4 years
Florida4.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Palm Beach County, 2016 to 2025
2016: +10.1% +10.1% 2016
2017: +8.0% +8.0% 2017
2018: +7.5% +7.5% 2018
2019: +4.0% +4.0% 2019
2020: +5.2% +5.2% 2020
2021: +14.8% +14.8% 2021
2022: +25.1% +25.1% 2022
2023: +10.9% +10.9% 2023
2024: +6.1% +6.1% 2024
2025: +1.2% +1.2% 2025
Change in FHFA’s price index in Palm Beach County, Florida and the United States
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
West 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
West Palm Beach$414,200
Palm Beach$447,300
Florida$359,000
United States$332,700
Typical monthly rent
West Palm Beach$1,772
Palm Beach$1,916
Florida$1,669
United States$1,413
Typical yearly household income
West Palm Beach$73,446
Palm Beach$83,581
Florida$74,568
United States$80,734
See the full table
West Palm Beach next to Palm Beach County and Florida
Measure
West Palm Beach
Palm Beach County
Florida
U.S.
Typical home value
$414,200 ▼7% below the county
$447,300
$359,000
$332,700
Typical monthly rent
$1,772 ▼8% below the county
$1,916
$1,669
$1,413
Typical yearly household income
$73,446 ▼12% below the county
$83,581
$74,568
$80,734
Households that own their home
51% ▼20 points below the county
70%
68%
65%
Typical yearly property tax
$3,862
$3,858
$2,730
$3,119
Effective property tax rate
0.93% ▲0.07 points above the county
0.86%
0.76%
0.94%
Renters with high rent for their income
59% ▼3 points below the county
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 West Palm Beach
For a typical $414,200 home in West 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, West Palm Beach's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,432a month
Least cash to close
Down payment
$14,497
Cash to close
$26,923
Rate
7.18%
Mortgage insurance
FHA MIP · $183
Conventional, 5% down$3,356a month
Down payment
$20,710
Cash to close
$33,136
Rate
7.18%
Mortgage insurance
PMI · $197
Conventional, 20% down, no PMI$2,738a month
Down payment
$82,840
Cash to close
$95,266
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,121a month
Down payment
$62,130
Cash to close
$74,556
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in West Palm Beach
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,432
$14,497
$406,698
7.18%
FHA MIP · $183
$26,923
580
Conventional, 5% down
$3,356
$20,710
$393,490
7.18%
PMI · $197
$33,136
620*
Conventional, 20% down, no PMI
$2,738
$82,840
$331,360
7.18%
None
$95,266
620*
ITIN, 15% down (example)
$3,121
$62,130
$352,070
8.18%
None
$74,556
Set by the lender
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.
Typical rent in West Palm Beach is $1,772 a month: 8% below the county. In West Palm Beach, 59% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Palm Beach County (Fiscal year 2027)
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 West Palm Beach
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). West Palm Beach has 5 ZIP codes with their own.
For 2 bedrooms it runs from $1,930 in 33405 to $2,640 in 33412.
1 of the 5 is above the fair market rent for Palm Beach County ($2,349).
2-bedroom fair market rent in each of the 5 ZIP codes of West Palm Beach, beside the one for Palm Beach County. For 2 bedrooms it runs from $1,930 in 33405 to $2,640 in 33412. 1 of the 5 is above the fair market rent for Palm Beach County ($2,349).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $2,349
Lowest: $1,930 (33405)Highest: $2,640 (33412)
Fair market rent by ZIP code and size in West Palm Beach, fiscal year 2027.
33401
$1,870
$1,970
$2,300
$2,990
$3,450
33405
$1,570
$1,650
$1,930
$2,510
$2,890
33407
$1,790
$1,890
$2,210
$2,870
$3,310
33409
$1,870
$1,970
$2,300
$2,990
$3,450
33412
$2,140
$2,260
$2,640
$3,430
$3,960
ZIP code2 bd3 bd
33401 $2,300$2,990
33405 $1,930$2,510
33407 $2,210$2,870
33409 $2,300$2,990
33412 $2,640$3,430
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for West 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 41 buildings with rents for lower incomes in West Palm Beach. These are the largest.
Renaissance4200 Bear Lakes Ct, West Palm Beach 33409344 low-income homes · 1 bd: 48 · 2 bd: 172 · 3 bd: 124 · In service since 2004 · For families
Seminole Estate Apt. & Schall (2 Sites)1745 Drexel Rd, West Palm Beach 33417293 low-income homes · Run by Palm Beach County Housing Authority · Average payment: $556 a month · Average wait: 43 months · Homes at several sites(561) 684-2160
Malibu Bay750 Malibu Bay Dr, West Palm Beach 33401264 low-income homes · 1 bd: 48 · 2 bd: 108 · 3 bd: 108 · In service since 2005 · For families
Waverly1386 Summit Pines Blvd, West Palm Beach 33415260 low-income homes · 1 bd: 96 · 2 bd: 60 · 3 bd: 104 · In service since 2001
Madison Chase1084 Madison Chase, West Palm Beach 33411230 low-income homes · 1 bd: 40 · 2 bd: 104 · 3 bd: 86 · In service since 2002 · For families
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.
No down payment, repair or rent-help program on our list is for West Palm Beach or Palm Beach County. The ones below are statewide in Florida: they work in West Palm Beach the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
The HUD-approved agencies closest to the center of West Palm Beach, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
CC
Credit Card MGMT Svcs, Inc DBA Reversemortgagehelper.org and Debthelper.com
1325 N Congress Ave, West Palm Beach · 3 miles away · Spanish
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 West Palm Beach
HUD’s record names them for West Palm Beach or Palm Beach County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.
West Palm Beach Housing AuthorityPublic housing and Section 8 vouchers(561) 655-8530
Palm Beach County Housing AuthorityPublic housing and Section 8 vouchers(561) 684-2160
No legal help resource on our list is for West Palm Beach or Palm Beach County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for West 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 West Palm Beach?
The typical home value in West Palm Beach is $414,200, 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 West Palm Beach?
Typical rent in West Palm Beach is $1,772 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 West Palm Beach?
West 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 West Palm Beach?
The typical homeowner in West Palm Beach pays $3,862 a year, according to the U.S. Census Bureau. That is 0.93% 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 West 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.
