Homebuyer Programs for Healthcare Workers in Florida
Far more of the hospital qualifies than most people realize
BreakThru Realty helps Florida homebuyers find the homeownership programs worth asking about, understand how each one shapes the home search, connect with participating lenders, and find homes that fit. Florida Hometown Heroes covers a much wider range of healthcare jobs than doctors and nurses, and this page is about the rest of the hospital: technicians, therapists, assistants, mental health staff and the people who keep patients moving.
See which programs are worth asking about · Homes within the limits
Far Broader Than Doctors and Nurses
Florida Housing’s healthcare examples include sonographers, surgical, radiology, CT, lab, pharmacy and ER technicians, phlebotomists, respiratory, physical, occupational and speech therapists, behavioral and mental health technicians and therapists, case managers, social workers, dental assistants and hygienists, medical assistants, patient care assistants and patient transporters. The examples are “not limited to” those titles; what qualifies is full-time work for a Florida-based healthcare employer.
The Employer Is What Counts
The healthcare group covers full-time employees of a Florida-based healthcare provider or physician, a hospital, an assisted living facility, a mental health facility or another healthcare facility. That reaches beyond hospital campuses to physician and dental practices, outpatient centers, behavioral health providers and senior living. If you work in one of those settings full time, the program is worth asking a lender about.
What the County Limits Buy
The program’s limits follow the county where the home is. In Broward, Miami-Dade and Palm Beach the FHA loan limit Florida Housing publishes is $667,000; in Martin and St. Lucie it is $603,750, and in Indian River $541,287. In the three southern counties that line reaches condominiums, townhomes, villas and many single-family homes away from the coast; farther north, the same budget buys more house. The listings below show homes within those lines in each county, updated from the MLS through the day.
Townhomes and Villas: The Middle Ground
For many healthcare households the answer sits between a condo and a house. A townhome gives you your own front door and often a small yard with association-maintained exteriors; a villa, in South Florida usage, is an attached single-story home, popular with buyers who want no stairs and low upkeep. Both usually belong to a homeowners’ association rather than a condominium, which changes the approval questions, the insurance and the rules on parking and leasing.
Where the Hospitals Are
Hospitals anchor healthcare employment across South Florida, and the neighborhoods around them range from walkable city blocks to suburban subdivisions. The hospitals below are mapped near the cities BreakThru Realty covers; each city page carries homes for sale, market figures and neighborhood guides. Save your workplace in the travel time tool on any listing to measure the drive.
How BreakThru Realty Works With Healthcare Workers
Consult a mortgage lender who participates in Florida Housing’s programs and get pre-approved for Hometown Heroes. Tell us where you work and your schedule, and we search inside your county’s limits and the program’s property types, check the association rules and condo approvals before you commit, and keep your lender and the title company on the same dates through closing.
Who Florida Housing Lists for Hometown Heroes
Full-time, current employment with a Florida-based employer. Florida Housing’s examples in each group include, but are not limited to, the titles below.
Healthcare workers
Employed by a Florida-based healthcare provider or physician, hospital, assisted living facility, mental health facility or healthcare facility.
- Registered nurse (RN)
- Licensed practical nurse (LPN)
- Advanced practice registered nurse (APRN)
- Clinical nurse specialist
- Nurse anesthetist
- Nurse midwife
- Nursing assistant (CNA)
- Nursing technician
- Physician
- Physician assistant
- Psychiatrist
- Anesthesiologist
- Anesthesiologist assistant
- Dentist
- Pharmacist
- Nuclear pharmacist
- Psychologist
- Social worker
- Case manager
- Behavioral and mental health specialists, technicians and therapists
- Physical, occupational, respiratory, speech and audiology therapists
- Medical technicians, including ER, CT, X-ray, surgical, cardiology, neurology, radiation, rehab, lab and pharmacy technicians, sonographers and phlebotomists
- Dental assistant
- Dental hygienist
- Medical assistant
- Patient care assistant
- Patient transporter
Program Limits by County
| County | Hometown Heroes income limit | FHA loan limit | HFA Advantage and VA loan limit | SHIP purchase price limit |
|---|---|---|---|---|
| Broward County | $190,200 | $667,000 | $832,750 | $679,324 |
| Miami-Dade County | $204,300 | $667,000 | $832,750 | $679,324 |
| Palm Beach County | $192,750 | $667,000 | $832,750 | $679,324 |
| Martin County | $153,600 | $603,750 | $832,750 | $619,629 |
| St. Lucie County | $153,600 | $603,750 | $832,750 | $619,629 |
| Indian River County | $153,450 | $541,287 | $832,750 | $544,233 |
Hospitals Near the Cities We Cover
Broward County
- Coconut Creek: The Renfrew Center Of Florida
- Coral Springs: Broward Health Coral Springs
- Davie: Cleveland Clinic Hospital
- Deerfield Beach: Broward Health North
- Fort Lauderdale: Holy Cross Hospital, Broward Health Medical Center, Broward Health Imperial Point, Kindred Hospital - Fort Lauderdale
- Hollywood: Memorial Regional Hospital, Memorial Regional Hospital South, Kindred Hospital South Florida - Hollywood
- Pembroke Pines: Memorial Hospital West, Memorial Hospital Pembroke, South Florida State Hospital
- Plantation: Westside Regional Medical Center, HCA Florida Plantation Emergency
- Weston: Cleveland Clinic Hospital
Miami-Dade County
- Aventura: HCA Florida Aventura Hospital
- Coral Gables: Doctors Hospital, Coral Gables Hospital, Kindred Hospital - South Florida - Coral Gables
- Doral: Jackson West Medical Center
- Miami: Jackson Memorial Hospital, Mercy Hospital, Miami Veterans Affairs Medical Center, Douglas Gardens Hospital
- Miami Beach: Mount Sinai Medical Center
- South Miami: Larkin Community Hospital, South Miami Hospital
Palm Beach County
- Boca Raton: Boca Raton Regional Hospital
- Boynton Beach: Bethesda Hospital East
- Delray Beach: Delray Medical Center, Fair Oaks Pavilion, Pinecrest Rehabilitation Hospital
- Jupiter: Jupiter Medical Center
- Palm Beach Gardens: Palm Beach Gardens Medical Center
- Wellington: Wellington Regional Medical Center
- West Palm Beach: Saint Mary's Medical Center, JFK Medical Center North Campus, Good Samaritan Medical Center, HCA Florida JFK North Hospital
Martin County
- Stuart: Martin North Hospital
St. Lucie County
- Fort Pierce: HCA Florida Lawnwood Hospital
Hospital names from OpenStreetMap, © OpenStreetMap contributors, available under the Open Database License. A selection, not a complete list.
Homes for Sale Within the Program Limits
Broward County: at or below $667,000
Homes listed at or below the 2026 FHA loan limit Florida Housing publishes for Broward County, in property types its programs allow. A starting point, not a qualification: your pre-approval sets your own number.
$249,800
761 N Pine Island Road 104, Plantation FL 33324
2 bd · 2 ba · 1,030 sq ft · Condominium
$83,000
7505 NW 5th Court 102, Margate FL 33063
2 bd · 2 ba · 990 sq ft · Condominium
$199,999
204 SW 120TH Avenue 204, Pembroke Pines FL 33025
2 bd · 3 ba · 1,338 sq ft · Townhouse$195,999
2040 NW 81st Avenue 117, Pembroke Pines FL 33024
2 bd · 2 ba · 870 sq ft · Condominium
See every Broward County home at or below this line
Miami-Dade County: at or below $667,000
Homes listed at or below the 2026 FHA loan limit Florida Housing publishes for Miami-Dade County, in property types its programs allow. A starting point, not a qualification: your pre-approval sets your own number.
$515,000
14905 SW 304th Terrace, Homestead FL 33033
4 bd · 3 ba · 1,721 sq ft · Single Family Residence$220,000
677 SW 9th Avenue 205, Miami FL 33130
1 bd · 1 ba · 688 sq ft · Condominium$340,000
1084 SE 13th Avenue, Homestead FL 33035
3 bd · 3 ba · 1,488 sq ft · Townhouse$480,000
10551 SW 141st Drive, Miami FL 33176
3 bd · 1 ba · 1,156 sq ft · Single Family Residence
See every Miami-Dade County home at or below this line
Palm Beach County: at or below $667,000
Homes listed at or below the 2026 FHA loan limit Florida Housing publishes for Palm Beach County, in property types its programs allow. A starting point, not a qualification: your pre-approval sets your own number.
$230,000
206 SPARROW Drive 2, Royal Palm Beach FL 33411
2 bd · 2 ba · 1,000 sq ft · Condominium
$290,000
500 N Crestwood Ct Court 502, Royal Palm Beach FL 33411
2 bd · 2 ba · 1,075 sq ft · Condominium
$270,000
12529 Imperial Isle Drive 205, Boynton Beach FL 33437
3 bd · 2 ba · 1,869 sq ft · Condominium
$489,000
128 E Central Boulevard, Lantana FL 33462
2 bd · 2 ba · 1,108 sq ft · Single Family Residence
See every Palm Beach County home at or below this line
Martin County: at or below $603,750
Homes listed at or below the 2026 FHA loan limit Florida Housing publishes for Martin County, in property types its programs allow. A starting point, not a qualification: your pre-approval sets your own number.
$565,000
7119 SE Twin Oaks Circle, Stuart FL 34997
3 bd · 3 ba · 2,312 sq ft · Single Family Residence
$255,000
6276 SE CHARLESTON Place 102, Hobe Sound FL 33455
3 bd · 2 ba · 1,338 sq ft · Condominium
$340,000
5317 SE ISABELITA Avenue, Stuart FL 34997
2 bd · 1 ba · 987 sq ft · Single Family Residence
$299,900
1950 SW Palm City Road 4-102, Stuart FL 34994
2 bd · 2 ba · 922 sq ft · Condominium
See every Martin County home at or below this line
St. Lucie County: at or below $603,750
Homes listed at or below the 2026 FHA loan limit Florida Housing publishes for St. Lucie County, in property types its programs allow. A starting point, not a qualification: your pre-approval sets your own number.
$350,000
6005 Lantana Drive, Fort Pierce FL 34951
3 bd · 3 ba · 1,702 sq ft · Single Family Residence
$350,000
3162 DAME Road, Fort Pierce FL 34981
3 bd · 2 ba · 1,886 sq ft · Single Family Residence
$550,000
10317 SW Phineas Lane, Port St. Lucie FL 34987
4 bd · 3 ba · 2,747 sq ft · Single Family Residence
$222,500
10320 SW Stephanie Way 7-204, Port St. Lucie FL 34987
2 bd · 2 ba · 1,231 sq ft · Condominium
See every St. Lucie County home at or below this line
Indian River County: at or below $541,287
Homes listed at or below the 2026 FHA loan limit Florida Housing publishes for Indian River County, in property types its programs allow. A starting point, not a qualification: your pre-approval sets your own number.
$333,888
2349 Old Dixie Highway, Vero Beach FL 32962
4 bd · 4 ba · 1,900 sq ft · Single Family Residence
$450,000
5400 A1a Highway A2, Vero Beach FL 32963
2 bd · 2 ba · 1,200 sq ft · Condominium
$435,000
5401 ANTIGUA Circle, Vero Beach FL 32967
2 bd · 2 ba · 1,683 sq ft · Single Family Residence
$399,990
5505 HAMPTON PARK Circle, Vero Beach FL 32966
4 bd · 2 ba · 1,840 sq ft · Single Family Residence
See Which Programs Are Worth Asking About
Tell us what you do, the county you are looking in, your timing, whether you have owned a home in the last three years and your price range. We send back the programs worth raising with a participating lender and homes that fit them. Questions about credit, income and debts belong with your lender, so they are not on the form.
Prefer to talk? (786) 914-1017 · sales@breakthrurealty.com
Frequently Asked Questions
- Do medical technicians qualify for Florida Hometown Heroes?
- Florida Housing lists a long range of technicians, including ER, CT, X-ray, surgical, cardiology, neurology, radiation, rehab, lab and pharmacy technicians and sonographers, when employed full time by a Florida-based healthcare employer. The first-time buyer and county income rules apply as well.
- Are pharmacy technicians and phlebotomists eligible?
- Both appear in Florida Housing’s healthcare examples. Eligibility turns on full-time employment with a Florida-based healthcare provider, hospital, assisted living facility, mental health facility or other healthcare facility, plus the program’s first-time buyer and county income rules.
- Do dental assistants and hygienists qualify?
- Florida Housing’s examples include dental assistants, dental hygienists and dentists, when employed full time by a Florida-based healthcare provider. A participating lender confirms eligibility and checks the county income limit for the household.
- Does working at a mental health facility count?
- Yes. Florida Housing names mental health facilities among eligible healthcare employers, and its examples include behavioral health specialists, technicians and therapists, mental health technicians and therapists, case managers, psychologists and social workers.
- What kinds of homes fit within the program limits in South Florida?
- In Broward, Miami-Dade and Palm Beach, homes listed at or below the $667,000 FHA loan limit include condominiums, townhomes, villas and many single-family homes away from the coast. In Martin, St. Lucie and Indian River the lines are lower, but prices are too, and the same budget often reaches a detached house.
Sources
- Florida Housing Finance Corporation: Hometown Heroes Program
- Florida Housing: Hometown Heroes eligible occupations (July 13, 2026)
- Florida Housing: 2026 Hometown Heroes income and loan limits (revised July 13, 2026)
- Florida Housing Finance Corporation: Homebuyer Loan Programs
- Florida Housing: Lender and Real Estate Agent Locator
Program figures checked against their published sources on September 23, 2026. Programs, limits and funding change; consult a mortgage lender who participates in Florida Housing’s programs for the current terms.