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Florida PACE Financing (Property Assessed Clean Energy)
Run by Local PACE programs authorized under sections 163.08-163.082, Florida Statutes
Florida homeowners in counties and cities that have joined a PACE program can finance energy-efficient HVAC, water heaters, insulation, windows, roofs, solar and other improvements and repay through an assessment on their property tax bill. Payments can't exceed 10% of household income or the total 20% of the home's value.
Amounts
How much you get
Financing, repaid as a non-ad valorem assessment on the property tax bill. The total assessment generally can't exceed 20% of the home's just value (more only with the mortgage holder's written consent), and annual payments can't exceed 10% of household income. Rates and terms are set by each program administrator.
Eligibility
Do I qualify?
You need to meet all 4 of these.
Your home is in Florida.
Property owners of record; renters don't qualify.
The property must be within the jurisdiction of an authorized PACE financing program (a county or city that has joined one).
Total estimated annual PACE payments can't exceed 10% of the owner's annual household income, confirmed with documents.
Equipment
What equipment counts
Applying
How to apply
Your contractor applies for you.
- Check whether your county or city participates in a PACE program.
- Get estimates from registered contractors.
For projects of $10,000 or more the administrator must advise you to get more than one estimate.
- Apply with the PACE program administrator, who checks the 20% value and 10% income limits.
- Sign the financing agreement; payments appear on your property tax bill.
Forms and instructionsSection 163.08, Florida Statutes (2026), Supplemental authority for improvements to real property
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Florida PACE Financing (Property Assessed Clean Energy) pay?
Financing, repaid as a non-ad valorem assessment on the property tax bill. The total assessment generally can't exceed 20% of the home's just value (more only with the mortgage holder's written consent), and annual payments can't exceed 10% of household income. Rates and terms are set by each program administrator.
Is there an income limit?
Total estimated annual PACE payments can't exceed 10% of the owner's annual household income, confirmed with documents.
Do renters qualify?
Property owners of record; renters don't qualify.
Is it still available?
Yes. It was open when we last checked, on October 27, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- Section 163.08, Florida Statutes (2026), Supplemental authority for improvements to real property
- Section 163.081, Florida Statutes (2026), residential PACE requirements
When one of these pages changes, we re-check this page against it.
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