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Gulf County, Florida VA Home Loan Info

va homes for sale in floridaThe 2019 $0 down, VA home loan limit for Gulf County is $484,350.

Adjacent to Bay County, Franklin County, Calhoun County and Liberty County, Gulf County is situated in the Florida Panhandle. Made up of 756 square miles, the county is home to 15,863 residents. Gulf County has a population density of 28 inhabitants per square mile. A part of the Panama City Metropolitan area. Although the county was not founded until 1925, it was the site of the original Florida Constitutional Convention. Wewahitchka, for water eyes, was the original county seat, known for the 1927 Gulf County Courthouse, which is still functional today. Wewahitchka is the home of the largest beekeeping site in the state and is the producer of Tupelo Honey. Interestingly, the current county seat of Port St. Joe was founded in 1835 and largely vacated by 1841 via yellow fever and ravaging hurricanes. With the establishment of the Apalachicola Northern Railroad in 1909, the settlement was informally re-founded.

The St. Vincent National Wildlife Refuge falls within the limits of the county. The protected refuge is a member of the American red wolf recovery program.

A political anomaly, the county votes heavily Democratic locally, however leans Republican statewide and nationally. The median household income of the county is $30,276. The average home vale in the area is $126,600. In 2013, the home appreciation in the area was 3.3 percent. With the cost of living eight percent lower than the U.S. average, Gulf County is an affordable place to call home. Recently, job growth has been positive, over recent years available jobs have increased by greater than a full percentage point.

Apply for a VA housing loan in Gulf County by following this link!

Veterans in Gulf County

As of September of 2014, the veteran population of Gulf County was just below 2,000. These veterans are served by the Veterans’ Service Office of Gulf County, located in Port St. Joe. The office helps veterans file for benefits and provides entitlement counseling in the following areas:

  • Healthcare
  • Housing
  • Pension
  • Disability
  • Service documentation

Locals can take advantage of the Gulf Coast Veterans Health Care System, which has a VA outpatient clinic in Panama City. This facility provides primary and mental health care.

Veterans living in Gulf County who own property potentially qualify for property tax exemptions. A veteran who was injured in service, and currently sufferers from a disability of greater than ten percent qualifies for an exemption of $5,000. Total disability sufferers are entitled to a complete exemption.

VFW Post

Post 8285 Wewahitchka Post
PO Box 757
Wewahitchka, FL 32465
United States
Phone: (850) 639-6100

Meeting Location & Time
311 N 4th Street
Wewahitchka, FL 32465
7PM Central 4th Tuesday

Quartermaster: Woodrow Jones
Commander: Richard Keepin

Maximum VA Appraisal Fees Allowable In Gulf County:

  • Single Family: $425
  • Condominium: $425
  • Manufactured Housing: $425
  • Duplex $500
  • Triplex: $550
  • Fourplex: $600
  • Repair Certification: 100

Gulf County Property Search

The VA HLC property search can be used for the following areas:

Wewahitchka, Port St. Joe, White City, Overstreet, Honeyville, Highland View, Dalkeith

Gulf County VA Approved Condos

Currently, there are no VA approved condos in Gulf County. For assistance with a condo approval project contact VA Home Loan Centers immediately at 888-573-4496.


  1. Florida VA Loan Information: https://www.vahomeloancenters.org/florida-va-home-loan-limits/
  2. VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/