Your Complete 2025 Guide to Home Affordability in Palm Beach County

Figuring out how much house you can afford is the most important first step in your home buying journey. Buy too much house and you’ll be financially stressed every month. Buy too little and you might miss the opportunity to build wealth through homeownership.

After helping hundreds of Palm Beach County buyers navigate this critical decision, I’ve learned that understanding true affordability requires more than just looking at what a lender will approve you for.

This comprehensive guide walks you through every factor that determines how much house you can realistically afford, from income and debt ratios to hidden costs many first-time buyers overlook.

Whether you’re buying in Boca Raton, Wellington, Boynton Beach, or anywhere else in Palm Beach County, these principles will help you make confident, informed decisions about your home buying budget.

The Quick Answer: The 28/36 Rule

Most financial advisors agree that people should spend no more than 28 percent of their gross monthly income on housing expenses, and no more than 36 percent on total debt.

This “28/36 Rule” is a tried-and-true home affordability rule of thumb that establishes a baseline for what you can afford to pay every month.

 

Here’s what this means in practice:

The 28% Rule (Front-End Ratio)
Your monthly housing costs—including mortgage principal, interest, property taxes, insurance, and HOA fees—shouldn’t exceed 28% of your gross monthly income.

Example: If you earn $6,000 monthly before taxes, your maximum housing payment should be $1,680 ($6,000 × 0.28).

The 36% Rule (Back-End Ratio)
Your total monthly debt payments—including housing costs plus car loans, student loans, credit cards, and other debt—shouldn’t exceed 36% of your gross monthly income.

Example: With $6,000 monthly income, your total debt payments shouldn’t exceed $2,160 ($6,000 × 0.36).

This means if you already pay $500 monthly in student loans and car payments, you’d have $1,660 left for housing costs ($2,160 – $500 = $1,660).

How Lenders Calculate What You Can Afford

While the 28/36 rule provides conservative guidelines, lenders use debt-to-income (DTI) ratios to determine your maximum loan amount. Understanding these ratios helps you anticipate what lenders will approve.

Debt-to-Income Ratio Explained

Your DTI ratio compares the amount of debt you have to your overall income. Lenders calculate this by dividing your total monthly debt payments by your gross monthly income.

DTI Formula: (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100 = DTI%

Example Calculation:

• Gross monthly income: $7,000
• Monthly debts: $400 car payment + $200 student loan + $1,800 proposed mortgage = $2,400 total
• DTI: ($2,400 ÷ $7,000) × 100 = 34.3%

DTI Requirements by Loan Type

Different loan programs have different DTI thresholds:

Conventional Loans
Most conventional lenders prefer DTI ratios below 43%, though some allow up to 45% with compensating factors like excellent credit scores, significant savings, or large down payments.

FHA Loans
FHA loans allow higher DTI ratios because they’re government-insured. The ratio of front-end to back-end needs to be better than 31/43. Monthly housing costs shouldn’t exceed 31%, and all monthly recurring debts shouldn’t exceed 43% of monthly gross income.

VA Loans
VA loans for military service members often allow DTI ratios up to 41%, sometimes higher with strong compensating factors.

Jumbo Loans
Jumbo loans (amounts exceeding $806,500 in most areas, $1,209,750 in high-cost areas in 2025) typically require lower DTI ratios, usually maxing out at 43% or lower, because they represent higher risk to lenders.

Important DTI Considerations

Just because a lender approves you for a certain amount doesn’t mean you should borrow that much. Lenders assess risk from their perspective—whether you’ll make payments.

You need to consider your complete financial picture, including:

• Emergency fund needs
• Retirement savings goals
• Future family plans
• Desired lifestyle and discretionary spending
• Career stability and income trajectory

I worked with a couple last year who were approved for a $650,000 loan based on their DTI. After discussing their goals—including starting a family where one parent would stay home—we agreed $475,000 was their realistic budget.

They bought a home they could comfortably afford on one income, avoiding financial stress many buyers experience.

Income: Your Affordability Foundation

Your gross income—what you earn before taxes and deductions—is the starting point for affordability calculations.

What Counts as Income

Lenders consider various income sources when calculating your qualifying income:

Salary and Wages
Your base salary from W-2 employment is the most straightforward income source. If you’ve been at your job less than two years, lenders may average your income or require additional documentation.

Bonuses and Commissions
These typically require a two-year history to be counted. Lenders will average your bonus/commission income over the past two years.

Self-Employment Income
Self-employed buyers need to provide two years of tax returns. Lenders use your net income after business expenses, which is often lower than what you actually bring home.

Rental Income
If you own investment properties, lenders typically count 75% of the rental income (accounting for vacancy and maintenance) toward your qualifying income.

Other Income Sources
Alimony, child support, Social Security, disability, pension, and investment income can all count if documented and expected to continue for at least three years.

Palm Beach County Income Reality

In Palm Beach County, incomes vary dramatically by location and industry. Understanding local income-to-home-price ratios helps set realistic expectations:

• Median household income in Palm Beach County: approximately $75,000-$80,000
• Median home price in Boynton Beach: $319,000
• Median home price in Boca Raton: $599,000
• Median home price in Wellington: $485,000-$550,000

Many buyers relocating to Palm Beach County from high-tax states like New York, New Jersey, or California discover they can afford more here because Florida has no state income tax, effectively increasing their take-home pay by 4-10% depending on their previous state.

The Down Payment Factor

Your down payment directly affects how much house you can buy because it reduces the amount you need to borrow.

Down Payment Percentages and Impact

3-5% Down (Minimum for Most Loans)
Conventional loans allow as little as 3% down for first-time buyers, while FHA loans require 3.5% minimum. However, smaller down payments mean:

• Higher monthly payments
• Required mortgage insurance (PMI or MIP)
• Less equity from day one
• Potentially less competitive offers in multiple-bid situations

10-15% Down (Moderate Down Payment)
Putting down 10-15% reduces your loan amount significantly, lowers monthly payments, may eliminate or reduce mortgage insurance, and shows financial strength to sellers.

20% Down (Ideal Target)
A 20% down payment is ideal to lower your monthly payment, avoid private mortgage insurance entirely, increase your affordability, and demonstrate financial stability. According to a 2025 report from the National Association of Realtors, the median down payment in 2025 is around 15%, though 20% remains the better target.

More Than 20% Down
Putting down more than 20% further reduces your monthly payment and interest costs over the life of the loan, may help you qualify for better interest rates, and increases your buying power significantly.

Down Payment Examples: Impact on Affordability

Scenario: $100,000 Annual Income ($8,333 Monthly)

With 5% down:

• Maximum home price: approximately $405,000
• Down payment needed: $20,250
• Loan amount: $384,750
• Monthly payment (principal, interest, taxes, insurance, PMI): ~$2,800

With 20% down:

• Maximum home price: approximately $520,000
• Down payment needed: $104,000
• Loan amount: $416,000
• Monthly payment (principal, interest, taxes, insurance): ~$2,900
• No PMI required

The 20% down payment allows you to buy a home worth $115,000 more for roughly the same monthly payment because you avoid mortgage insurance.

Sources for Down Payment Funds

Personal Savings
The most common source. Many buyers save for years to accumulate their down payment.

Gift Funds
Parents, grandparents, or other relatives can gift down payment funds. Lenders require gift letters documenting that the money doesn’t need to be repaid.

Down Payment Assistance Programs
Various federal, state, and local programs offer down payment help for first-time buyers or those buying in specific areas. Palm Beach County and various cities offer programs worth researching.

Sale of Previous Home
If you’re selling a home, your equity becomes your down payment for the next property.

401(k) Loans or Withdrawals
Some buyers borrow from retirement accounts, though this comes with significant risks and penalties. First-time homebuyers can withdraw up to $10,000 from IRAs penalty-free, though taxes still apply.

Employer Assistance
Some employers offer homebuying assistance programs as a benefit.

Interest Rates: The Hidden Affordability Factor

Your mortgage interest rate dramatically impacts how much house you can afford. Despite the Federal Reserve’s rate cuts in 2024, mortgage rates for a 30-year home loan continue to hover near the 7 percent mark.

Interest Rate Impact on Monthly Payments

Higher interest rates mean higher monthly payments, which reduces how much house you can afford with the same income.

Example: $600,000 Home with 20% Down ($480,000 Loan)

At 6% interest rate:

• Monthly payment (principal & interest): $2,878
• Total interest over 30 years: $556,080

At 7% interest rate:

• Monthly payment (principal & interest): $3,193
• Total interest over 30 years: $669,480

That 1% rate difference costs $315 more monthly and $113,400 more over the loan term.

When rates were at historic lows in early 2021 (around 3%), the same $480,000 loan resulted in a monthly payment of just $2,023—$1,170 less per month than at 7% rates.

Factors That Determine Your Interest Rate

Credit Score
Your credit score is the foundation of your finances, and it plays a critical role in determining your mortgage rate. Lenders tend to give the lowest rates to borrowers with the highest credit scores (typically 740+). The difference between a 720 score and 780 score might be 0.25-0.5% in rate, which translates to significant monthly savings.

Down Payment Size
Larger down payments reduce lender risk, often resulting in better interest rates. Putting down 20% or more typically earns you the best available rates.

Loan Type
Conventional, FHA, VA, and USDA loans have different rate structures. VA loans often offer the lowest rates for qualifying service members.

Loan Term
15-year mortgages typically have lower rates than 30-year mortgages but require higher monthly payments.

Debt-to-Income Ratio
Lower DTI ratios may qualify you for better rates because you’re viewed as lower risk.

Property Type and Use
Primary residences get better rates than investment properties or second homes. Single-family homes typically get better rates than condos.

Current Market Context (2025)

Mortgage rates in 2025 remain elevated compared to the pandemic-era lows but have moderated from the peaks of 2023. Current 30-year fixed rates hover around 6.5-7%, though exact rates vary based on individual borrower qualifications.

For Palm Beach County buyers, this rate environment means:

• Higher monthly payments than buyers experienced in 2020-2021
• More emphasis on finding the right price point vs. stretching budgets
• Greater importance of strong credit scores and down payments
• Potential to refinance if rates decrease in future years

Monthly Housing Costs: Beyond the Mortgage

When calculating affordability, many buyers focus solely on the mortgage payment. However, your total monthly housing cost includes several components:

Principal and Interest

This is your actual mortgage payment—the amount that pays down your loan balance and covers the lender’s interest charges.

Property Taxes

Palm Beach County property taxes are a significant monthly expense. Property taxes are based on the assessed value of your home and fund local schools, services, and infrastructure.

Palm Beach County Tax Rates:

• Effective tax rates typically range from 1.1% to 1.3% annually
• Boynton Beach average: approximately 1.26% (average homeowner pays $3,198 annually vs. county average of $5,533)
• Higher-priced areas may have higher tax bills even with similar rates

Monthly Tax Examples:

• $300,000 home: approximately $300-$325 monthly
• $500,000 home: approximately $500-$540 monthly
• $750,000 home: approximately $750-$810 monthly

Remember that property taxes can increase annually, especially in areas experiencing rapid appreciation. Budget for potential increases.

Homeowners Insurance

Florida homeowners insurance costs more than most states due to hurricane risk and coastal location. Many factors go into the price you pay for home insurance. If you haven’t gotten quotes yet, you can estimate your yearly premium by multiplying the home price by 0.64%.

Typical Monthly Insurance Costs in Palm Beach County:

• $300,000 home: $150-$250 monthly
• $500,000 home: $250-$400 monthly
• $750,000 home: $400-$650 monthly

Coastal properties, older homes, and properties in flood zones face significantly higher insurance costs.

Flood Insurance

Even properties outside designated flood zones should consider flood insurance. In Palm Beach County, 41% of properties in some areas face risk of severe flooding over the next 30 years.

Flood insurance typically costs $400-$1,200+ annually ($35-$100+ monthly) depending on flood zone designation, elevation, and coverage amounts.

Wind/Hurricane Insurance

Many Florida homeowners need separate windstorm insurance through Citizens Property Insurance or private carriers. Annual premiums can range from $2,000-$8,000 ($165-$665 monthly) depending on location, construction type, and coverage levels.

Private Mortgage Insurance (PMI)

If you put down less than 20%, you’ll pay PMI, which protects the lender if you default. PMI typically costs 0.5-1.5% of the loan amount annually, paid monthly.

PMI Examples:

• $400,000 loan: $165-$500 monthly
• $500,000 loan: $210-$625 monthly

PMI disappears once you reach 20% equity through payments or appreciation, but it significantly impacts early affordability.

Homeowners Association (HOA) Fees

Many Palm Beach County communities have HOA fees funding shared amenities and maintenance.

Typical HOA Fee Ranges:

• Basic communities: $150-$300 monthly
• Amenity-rich communities (pools, fitness, security): $300-$600 monthly
• Luxury communities and high-rise condos: $600-$1,500+ monthly

Always factor HOA fees into your budget—they’re not optional and can increase annually.

Total Monthly Housing Cost Example

$400,000 Home in Boynton Beach (10% Down)

• Mortgage (P&I) on $360,000 loan at 6.75%: $2,335
• Property taxes (1.26%): $420
• Homeowners insurance: $250
• Flood insurance: $75
• PMI (0.85% annually): $255
• HOA fees: $275
• Total Monthly Housing Cost: $3,610

Note how the mortgage is only 65% of the total monthly housing cost. This is why many buyers are surprised when they calculate their complete monthly obligation.

Hidden Costs of Homeownership

Beyond your monthly payment, homeownership includes ongoing costs many first-time buyers underestimate.

Utilities

Expect to pay for electricity (Florida’s heat means high AC costs), water/sewer, gas (if applicable), trash collection, internet/cable, and security systems.

Average monthly utilities in Palm Beach County: $300-$500 depending on home size and usage.

Maintenance and Repairs

A common rule of thumb is budgeting 1% of your home’s value annually for maintenance and repairs.

Examples:

• $300,000 home: $3,000 annually ($250 monthly)
• $500,000 home: $5,000 annually ($415 monthly)
• $750,000 home: $7,500 annually ($625 monthly)

Major expenses to anticipate:

• Roof replacement: $15,000-$30,000 (lasts 15-25 years)
• HVAC replacement: $8,000-$15,000 (lasts 10-15 years)
• Water heater: $1,200-$2,500 (lasts 8-12 years)
• Pool maintenance: $150-$300 monthly if you have a pool
• Landscaping: $100-$400 monthly for regular maintenance

Closing Costs

While not monthly expenses, closing costs require significant upfront cash beyond your down payment. Typical closing costs range from 2-5% of the purchase price.

On a $400,000 Home:

• Low end: $8,000 (2%)
• High end: $20,000 (5%)

Closing costs include appraisal fees, inspection fees, title insurance, recording fees, lender fees, and prepaid items (property taxes, insurance, interest).

Credit Score Impact on Affordability

Your credit score affects both whether you qualify for a mortgage and what interest rate you’ll pay, directly impacting affordability.

Credit Score Ranges and Impact

Excellent Credit (740+):

• Lowest available interest rates
• Most loan program options
• Best terms and conditions
• Potential for reduced mortgage insurance

Good Credit (700-739):

• Competitive interest rates (typically 0.25% higher than excellent)
• Access to most loan programs
• Standard terms

Fair Credit (650-699):

• Higher interest rates (typically 0.5-0.75% higher than excellent)
• May face stricter requirements
• Higher down payments might be required

Poor Credit (Below 650):

• Limited conventional loan options
• FHA might be your best option (allows scores as low as 580 with 3.5% down, 500-579 with 10% down)
• Significantly higher rates
• May need to improve credit before buying

Credit Score Example: Same Buyer, Different Rates

$400,000 Loan at Different Credit Scores:

Score 780 (6.5% rate):

• Monthly payment: $2,528
• Total interest: $509,920

Score 680 (7.25% rate):

• Monthly payment: $2,728
• Total interest: $582,080

That 100-point credit score difference costs $200 monthly and $72,160 over the loan term.

Improving Your Credit for Better Affordability

• Pay all bills on time (payment history is 35% of your score)
• Reduce credit card balances (keep utilization below 30%, ideally below 10%)
• Don’t close old credit accounts (credit history length matters)
• Avoid new credit applications in the 6 months before applying for a mortgage
• Dispute any errors on your credit report
• Consider credit counseling if you need structured help

I always recommend clients check their credit 6-12 months before planning to buy. This timeline allows for strategic improvements that can save thousands over the loan term.

Real Palm Beach County Affordability Examples

Let’s look at realistic scenarios for different income levels buying in Palm Beach County:

Scenario 1: First-Time Buyer in Boynton Beach

Income: $60,000 annually ($5,000 monthly gross) Credit Score: 720 Down Payment: 5% saved ($15,000) Existing Debt: $350 monthly (car payment)

Calculations:

• Maximum total debt (36% DTI): $1,800
• Available for housing: $1,800 – $350 = $1,450
• Maximum home price: approximately $285,000
• Down payment: $14,250
• Loan amount: $270,750
• Monthly housing cost breakdown:
  • Mortgage P&I: $1,035
  • Property taxes: $299
  • Insurance: $170
  • PMI: $190
  • Total: $1,694 (slightly over but workable with good credit)

Realistic Target: $270,000-$280,000 in Boynton Beach, Greenacres, or Lake Worth Beach

Scenario 2: Growing Family in Wellington

Income: $120,000 annually ($10,000 monthly gross) Credit Score: 750 Down Payment: 15% saved ($75,000) Existing Debt: $600 monthly (student loans + car)

Calculations:

• Maximum total debt (36% DTI): $3,600
• Available for housing: $3,600 – $600 = $3,000
• Maximum home price: approximately $540,000
• Down payment: $81,000
• Loan amount: $459,000
• Monthly housing cost breakdown:
  • Mortgage P&I: $2,075
  • Property taxes: $567
  • Insurance: $300
  • HOA: $200
  • Total: $3,142 (slightly over but manageable)

Realistic Target: $500,000-$525,000 in Wellington or West Boca

Scenario 3: Luxury Buyer in Boca Raton

Income: $250,000 annually ($20,833 monthly gross) Credit Score: 780 Down Payment: 20% saved ($200,000) Existing Debt: $1,200 monthly (luxury car leases)

Calculations:

• Maximum total debt (36% DTI): $7,500
• Available for housing: $7,500 – $1,200 = $6,300
• Maximum home price: approximately $1,150,000
• Down payment: $230,000
• Loan amount: $920,000
• Monthly housing cost breakdown:
  • Mortgage P&I: $4,155
  • Property taxes: $1,208
  • Insurance: $700
  • HOA: $400
  • Total: $6,463 (slightly over but acceptable for this income)

Realistic Target: $1,000,000-$1,100,000 in East or Central Boca Raton

Strategies to Increase Your Home Buying Budget

If your current affordability calculation doesn’t reach your target price range, consider these strategies:

Improve Your Credit Score

Every 20-40 point improvement in your credit score can reduce your interest rate by 0.125-0.25%, increasing your buying power by thousands of dollars.

Reduce Existing Debt

Paying off credit cards, car loans, or student loans before applying for a mortgage increases the amount available for housing payments in your DTI calculation.

Example: Paying off a $400 monthly car payment frees up $400 for housing, potentially increasing your buying power by $80,000-$100,000.

Increase Your Down Payment

Save longer to accumulate a larger down payment. Every additional $10,000 saved might increase your buying power by $12,500 (if you’re putting down 20%) because you’re borrowing less.

Increase Your Income

Easier said than done, but increasing income through raises, promotions, side businesses, or adding a co-borrower’s income dramatically impacts affordability.

Consider a Co-Borrower

Adding a spouse, partner, or even a parent as a co-borrower combines incomes while distributing debt, potentially significantly increasing qualifying amounts.

Look at Different Loan Programs

FHA loans allow higher DTI ratios, VA loans offer 0% down for qualifying service members, USDA loans provide 0% down for eligible rural properties, and first-time buyer programs offer assistance and better terms.

Expand Your Geographic Search

If Boca Raton or Delray Beach stretch your budget, consider Boynton Beach, Lake Worth Beach, or Wellington where prices are more accessible while still offering excellent quality of life.

Buy a Starter Home

Consider buying a smaller or less expensive home now, building equity for 5-7 years, then upgrading to your dream home with substantial equity from your first home.

Frequently Asked Questions

How much income do I need to buy a $400,000 house?

Using the 28/36 rule and assuming 20% down, 7% interest rate, typical Palm Beach County taxes and insurance, you’d need approximately $100,000-$110,000 in annual gross income to comfortably afford a $400,000 home. With 5% down and PMI, you’d need closer to $110,000-$120,000 annually.

What salary do I need for a $500,000 house?

For a $500,000 home with 20% down at current rates, you’d need approximately $135,000-$145,000 in annual income. With only 5-10% down, you’d need $145,000-$160,000 to comfortably handle the payment including PMI.

Should I wait for interest rates to drop before buying?

While lower rates would be beneficial, they’ll also likely increase competition and prices. Buying now at higher rates in a buyer’s market, then refinancing later if rates drop, can be a smart strategy. You can’t perfectly time both interest rates and housing prices.

Can I use my full pre-approval amount?

Just because a lender offers you a pre-approval for a large amount doesn’t mean you should spend that much. Lenders calculate maximum amounts, not comfortable amounts. Consider your complete financial picture, including savings goals, lifestyle priorities, and future plans.

How much should I put down?

While 20% is ideal to avoid PMI and secure better rates, many successful homebuyers put down 5-15%. The key is balancing down payment size with maintaining adequate cash reserves for emergencies, closing costs, and moving expenses.

What is a good debt-to-income ratio for buying a home?

While lenders allow DTI up to 43-50% depending on loan type, financial advisors recommend staying below 36% total debt (28% for housing alone). Lower DTI ratios provide financial flexibility for unexpected expenses and life changes.

Do I need perfect credit to buy a home?

No. While excellent credit (740+) earns the best rates, buyers with credit scores as low as 620 can qualify for conventional loans, and FHA loans accept scores as low as 580 (500 with 10% down). Lower credit means higher rates, but homeownership remains accessible.

How much do I need for closing costs?

Budget 2-5% of the purchase price for closing costs. On a $400,000 home, expect $8,000-$20,000 in closing costs beyond your down payment. Your lender will provide a Loan Estimate detailing exact costs early in the process.

Can I afford a house making $50,000 a year?

Yes, though your price range will be limited. With $50,000 annual income ($4,167 monthly), you could afford approximately $235,000-$250,000 assuming minimal existing debt and 5% down. In Palm Beach County, this budget works in areas like Boynton Beach, Greenacres, or Lake Worth Beach.

Should I include rental income when calculating affordability?

If you’re buying a property with a rental unit, lenders typically count 75% of expected rental income toward your qualifying income (accounting for vacancy and maintenance). You’ll need to document typical rental rates in the area.

Making Your Affordability Decision

Determining how much house you can afford requires balancing what lenders will approve, what financial advisors recommend, and what feels comfortable for your specific situation and priorities.

The Numbers Say…

Run the calculations using the 28/36 rule, check lender pre-qualification amounts, calculate total monthly housing costs including all expenses, and factor in current interest rate environment.

Your Life Says…

Consider your career stability and income trajectory, family plans and potential income changes, lifestyle priorities and discretionary spending needs, emergency fund requirements, retirement savings goals, and risk tolerance and comfort with debt.

The Market Says…

Look at current Palm Beach County prices in your target areas, available inventory and competition levels, seasonal timing considerations, and future appreciation potential in different neighborhoods.

The intersection of these three perspectives reveals your true affordability sweet spot.

Your Next Steps

Now that you understand how much house you can afford, here’s your action plan:

1. Get Pre-Approved
Contact a mortgage lender for formal pre-approval. This provides your exact qualifying amount based on verified income, assets, credit, and debts.

2. Create Your Complete Budget
List all monthly expenses—not just what lenders consider, but everything you spend on including entertainment, dining, shopping, and savings.

3. Calculate Your Comfortable Payment
Determine what monthly payment allows you to maintain your desired lifestyle, save adequately, and handle unexpected expenses without stress.

4. Define Your Search Parameters
Based on your affordable payment, identify your target price range and preferred Palm Beach County neighborhoods that fit your budget.

5. Work with a Local Expert
Partner with a knowledgeable Palm Beach County agent who understands local pricing, can identify value opportunities, and will advocate for your financial best interests.

Ready to Find Your Affordable Home in Palm Beach County?

Understanding how much house you can afford is just the beginning. Finding the right property at the right price in the right Palm Beach County neighborhood requires local expertise, market knowledge, and skilled negotiation.

I help buyers navigate the affordability question every day, providing honest assessments of what different price points buy in various Palm Beach County communities, connecting clients with reputable lenders who offer competitive rates, identifying properties that deliver maximum value for your budget, and negotiating to keep you within your comfortable payment range.

Whether you’re a first-time buyer stretching to enter the market, a growing family seeking more space, or a luxury buyer seeking the perfect estate, I provide the local expertise and honest guidance that turns your affordable price range into your dream home.

Ready to start your home search with a clear understanding of your budget? Contact me today for a complimentary buyer consultation. We’ll discuss your financial situation, explore current Palm Beach County opportunities in your price range, and create a strategy to find your perfect home.

Call or text (561) 618-9984, email cenegegroup@gmail.com, or visit CenegeRealEstateGroup.com.

Let’s turn your homeownership dreams into reality—within a budget that lets you sleep well at night.