Miami-Dade County PACE Program: Home Improvement Financing Options

The Miami-Dade County PACE Program helps eligible homeowners finance qualifying home improvements, including energy-efficient and storm resilience upgrades. Florida PACE supports clean energy programs for Miami homeowners by making it easier to invest in smarter upgrades for the long run.

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What Is the PACE Program?

The Property Assessed Clean Energy (PACE) program gives Miami-Dade homeowners a smarter way to fund vital home improvements without dipping into savings or relying on credit. With Florida PACE, you repay the cost of upgrades through your property tax bill at a fixed, predictable rate.

  • Available to eligible homeowners through the Miami-Dade County PACE Program
  • Helps fund qualifying upgrades that improve efficiency, comfort, and peace of mind
  • Supports energy-efficient improvements that align with clean energy programs for homeowners in Miami
  • Makes it easier to prepare your home for severe weather with resilience-focused upgrades

Florida PACE eligibility is based on your property’s equity and payment history, not your credit score or income. If you’ve built equity and stay current on taxes and mortgage payments, you may qualify.

Eligible Improvements Available in Miami-Dade County

Living in Miami-Dade means preparing for everything from intense heat to hurricane-force winds. But that doesn’t mean you should have to delay home repairs or safety upgrades because of cost.

Florida PACE helps you take action, whether you’re making proactive upgrades or responding to urgent needs. You can fund the following improvements and pay them off gradually through your property tax bill:

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Hurricane Hardening

Reinforce your home with impact-resistant windows, shutters, and wind-rated doors.

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HVAC

Upgrade aging units for better comfort, air quality and energy savings.

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Roofing

Protect your loved ones with a strong, storm-resistant roof built to meet local codes.

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Water Heaters

Install efficient systems that deliver reliability and lower energy bills.

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Windows & Doors

Improve insulation and security while staying compliant with Miami-Dade hurricane standards.

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Home Generators

Ensure backup power during tropical storms and unexpected outages.

Why Choose Florida PACE?

Managing a home in Miami-Dade comes with unique challenges like extreme weather, high heat and flood risks. Florida PACE was created to help you meet those challenges with affordable, property-based funding — no upfront payment required.

Here’s why so many Miami-Dade homeowners turn to PACE:

  • No Upfront Costs. Start necessary work now and pay over time.
  • Storm and Climate Resilience. Fund critical upgrades to withstand severe weather.
  • Increase Property Value. Energy-efficient upgrades can boost your home’s worth.
  • Designed for Miami-Dade. Solutions tailored to meet coastal codes and community needs.
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Areas We Serve Within Miami-Dade County

Florida PACE proudly supports homeowners across Miami-Dade County, from coastal cities to inland neighborhoods. If your property is located in one of the areas below, you may be eligible for PACE funding:

  • Unincorporated
  • Aventura
  • Coral Gables
  • Cutler Bay
  • Doral
  • El Portal
  • Hialeah
  • Homestead
  • Key Biscayne
  • Medley
  • Miami
  • Miami Beach
  • Miami Gardens
  • Miami Lakes
  • Miami Shores
  • Miami Springs
  • North Bay Village
  • North Miami
  • North Miami Beach
  • Pinecrest
  • Sunny Isles
  • Surfside
  • Sweetwater
  • Virginia Gardens
  • West Miami

Home Improvement Financing Options Available in Miami-Dade County

How To Get Started With Florida PACE

Getting started with PACE in Miami-Dade County is quick and straightforward. Whether you’re responding to emergency repairs or planning ahead, you can get the home improvements you need in just a few easy steps:

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Step 1

Apply for the Florida PACE Program

Check if your home and project qualify. Get pre-approved in just minutes.

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Step 2

Select Your Preferred Contractor

Choose from our network of PACE-approved professionals.

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Step 3

Approve the Work, Then We Release Payment

Your contractor starts the project, but they aren’t paid until you confirm it’s done right.

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Step 4

Make Fixed Payments Through Your Property Taxes

Repay over time with predictable, fixed-rate installments.

Get Started with Florida PACE Funding

Cost shouldn’t be the reason you delay protecting your home. Whether you’re preparing for hurricane season or handling urgent repairs, Florida PACE gives you an affordable way to move forward with the improvements your home needs. Contact us today or see if you qualify to begin your project.