Is Florida PACE Funding Available Where I Live? How to Use Our Service Map To Find Out

Key Takeaways

• Florida PACE is not automatically available in all counties or cities.
• Florida law requires a local ordinance in your county before we can offer voluntary PACE financing.
• The easiest way to check availability is to use our Areas of Service map.
• If your area participates, the next step is checking whether your property and project may qualify.
• If your area does not participate yet, you can still stay informed and let your local government know you’re interested in having the program available.

If you’re wondering whether Florida PACE is available where you live, the first thing to know is that availability varies by location. We can offer PACE financing in many parts of Florida, but not every county or city has approved the program yet.

That’s why the first step is not choosing a project or even filling out an application. The first step is checking our service map to see whether your county or city currently participates. If it does, you can move on to the next step and see whether your property and project may qualify.

Why Florida PACE Is Available in Some Areas and Not Others

Florida PACE is a government-backed financing program that helps property owners fund qualifying home improvements through long-term, fixed-rate assessments added to their property tax bill (not funded through taxpayer dollars). But even though the program serves property owners across Florida, that doesn’t mean it can be offered in every community automatically.

Right now, county and/or city approval matters. We can only offer voluntary PACE financing in places where the required local approval is in place. That’s why two homeowners with similar projects may have different next steps depending on where they live.

What Changed Under Florida Law

Florida law now requires a local ordinance in your county before we can offer voluntary PACE financing.

For homeowners, the biggest takeaway is simple: local approval now plays a more direct role in whether Florida PACE is available where you live. That’s why checking the service map first is so important.

Florida law also updated parts of the broader PACE program, including expanding certain qualifying improvements and adding more structure around the program. But for this question, the main point is that availability starts with local approval.

How to Use Our Florida Service Map

The easiest way to find out whether Florida PACE is available in your area is to use our Areas of Service map on our About PACE page.

Here’s how to use it:

• Go to our Areas of Service map.
• Enter or select your county.
• Review the result to see whether PACE is available where you live.

One important thing to watch for is that availability may not always be countywide in all counties. In some places, the map may show countywide availability. In others, it may list only certain cities, unincorporated areas or commercial-only availability.

That means you shouldn’t assume that one result applies the same way across every parcel in a county. The map is there to help you check the details before moving forward.

If PACE Is Available in Your Area, What Happens Next?

If the map shows that Florida PACE is available where you live, that’s a great first step. But this is only the first step.

Next, you’ll want to see whether your property and project may qualify. Eligibility requirements generally include being current on property taxes and mortgage debt, having no notices of default in the preceding three years and having no involuntary liens on the property.

Your project must also be a qualifying improvement. Florida homeowners commonly use PACE for roofs, windows and doors, HVAC systems, generators and, more recently, septic-to-sewer connections.

So, to recap:

• First, check whether Florida PACE is offered where you live.
• Then, check whether your property and project may qualify.

The order matters because it helps you avoid wasting time on project-specific questions before you know whether the program is even available in your area.

What If PACE Isn’t Available in Your County Yet?

If your county or city is not currently approved, that doesn’t automatically mean it never will be. Many counties and cities have already completed the process, and we are working to obtain more each month.

If the map shows that PACE isn’t available in your area, the best next step is to stay informed and check back periodically. We also encourage property owners to reach out to their local government and express interest in having the program available in their community.

That can be especially helpful if you already know you need a qualifying improvement, but your area has not yet completed the approval process.

Common Questions About Service Areas and County Rules

Is Florida PACE available everywhere in Florida?

No. PACE funding may be available statewide, but local approval is still required before we can offer it in a specific area. See if PACE is available where you live.

If my county appears on the map, does that mean I automatically qualify?

No. County or city participation is the first step, but you still need to verify that your property and project meet the program requirements.

What if I see only certain cities or unincorporated areas listed?

That usually means availability may be limited within that county rather than applying everywhere in the same way. Always review the map details carefully before assuming the whole county is covered.

What kinds of projects may qualify once my area is approved?

Common examples include roofs, windows and doors, HVAC systems, generators, hurricane hardening and water heaters, along with other qualifying home improvements allowed under Florida law.

Get Started By Checking if Florida PACE is Available Where You Live

If you’re trying to figure out whether Florida PACE is an option for your home, start with the service map. It’s the clearest way to see whether the program is currently offered in your county or city.

If your area participates, you can proceed to the next step to see whether your property and project may qualify. If it doesn’t, you’ll still have a clear answer and a better sense of what to do next.