Florida PACE Funding in Monroe County
Living in the Florida Keys means preparing for storms, heat and rising energy costs. Florida PACE can help you fund essential upgrades with no upfront cost.
What Is the PACE Program?
Florida’s Property Assessed Clean Energy (PACE) program helps Monroe County homeowners finance vital home improvements without relying on traditional credit or out-of-pocket payments.
With PACE, you repay your upgrades through your property tax bill over time at a fixed interest rate. Approval 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 mortgage and tax payments, you may qualify.
Eligible Improvements Available in Monroe County
Between hurricane threats and salt air wear, homes in Monroe County face unique challenges, but Florida PACE makes it easier to address them.
You can fund these eligible home upgrades through your property taxes, with no upfront payment required:
Hurricane Hardening
Install impact windows, storm shutters and reinforced doors to meet wind zone requirements.
HVAC
Replace aging A/C units with energy-efficient systems for better performance in the Keys heat.
Roofing
Upgrade to a wind-rated, storm-resistant roof that meets Monroe County’s strict building standards.
Water Heaters
Switch to modern, efficient water heaters that cut down on energy costs.
Windows & Doors
Enhance energy efficiency and weather protection while maintaining code compliance.
Home Generators
Ensure continuous power during outages or hurricanes with a home standby generator.
Why Choose Florida PACE?
Owning a home in the Keys comes with its share of responsibilities and expenses. Florida PACE makes it easier to stay ahead of storm prep and home maintenance without breaking the bank.
Here’s why Monroe County homeowners rely on Florida PACE:
- No Upfront Costs. Start improvements now and pay over time through your property taxes.
- Storm-smart solutions. Fund upgrades that help protect against high winds and outages.
- Increase energy efficiency and home value. Improve your living space and long-term return.
- Tailored for the Keys. PACE supports projects built for Monroe County’s climate and coastal codes.
Areas We Serve Within Monroe County
Florida PACE is available throughout all of Monroe County. If your property is located anywhere within the county, you may qualify for PACE financing. This includes areas such as:
- Key Colony Beach
- Key West
- Layton
- Marathon
- Islamorada
- Big Coppitt Key
- Big Pine Key
- Cudjoe Key
- Duck Key
- Key Largo
- North Key Largo
- Stock Island
- Tavernier
- Bay Point
- Chatham
- Conch Key
- Dry Tortugas
- Garden Cove
- Jewfish
- Key Haven
- Rock Harbor
- Sugarloaf Shores
- Summerland Key
How To Get Started With Florida PACE
Getting started with PACE in Monroe County is simple and hassle-free. Whether you’re facing urgent repairs or planning preventative upgrades, you can move forward with your home improvements in just a few easy steps:
Step 1
Apply for the Florida PACE Program
Check if your home and project qualify. Get pre-approved in just minutes.
Step 2
Select Your Preferred Contractor
Choose from our network of PACE-approved professionals.
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.
Step 4
Make Fixed Payments Through Your Property Taxes
Repay over time with predictable, fixed-rate installments.
Get Started with Florida PACE Funding
Don’t let financial strain keep you from protecting your home. Whether you’re getting ready for hurricane season or addressing unexpected repairs, Florida PACE offers a cost-effective way to take action. Contact us today or see if you qualify to begin your project.