Habitat for Humanity of Greater Birmingham Homeownership Program
Down-payment assistance · Income limit 80% of AMI
Single Family
See details Jul 2026
Down payment assistance · Alabama
Buying a home in Jefferson County, AL
2 county-wide programs, 1 city with their own, plus 9 statewide and 62 nationwide.Jefferson has 2 programs that cover the whole county and 1 city with a program of their own. On top of those, 9 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in JeffersonAnywhere in Jefferson County
2 programs for every Jefferson address2 programs that cover every Jefferson address
All 2 ask for a homebuyer class.These are run for the whole county, so a home in Birmingham, Hoover or Vestavia Hills can use them. All 2 ask for a homebuyer class.
Jefferson County Home Buyers Assistance Program
Deferred second loan · Income limit 80% of AMI
Single Family
See details Jul 2026
AMI is HUD’s area median income for Jefferson, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Jefferson city with their own program
For a home inside that city, on top of the county-wide 2.A city program is for a home inside that city. Buying there? It sits on top of the 2 county-wide programs above.
The Jefferson marketThe Jefferson housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Jefferson
- 68.6% single-familysingle-family
- 2.7% townhousetownhouse
- 5% 2–4 units2–4 units
- 20.6% 5+ unitscondo & apartment buildings (5+ units)
- 3.1% mobile & othermobile home & other
Condos count. 0 of the 2 county-wide programs and 1 of the 2 city programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Jefferson’s homes were built
pre-19401970s2020+
59%
of Jefferson homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$104,100
HUD area median income, 4 people (FY2026)HUD area median income, Jefferson County, 4-person household (FY2026)
$66,388
Median household income (ACS 2024 5-year)Median household income in Jefferson (Census ACS 2024 5-year)
63.9%
of occupied homes are owner-occupied (Alabama: 70.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 16 of the 75 programs here set their income limit as a share of Jefferson County’s area median income, adjusted for household size. See the published limits for Jefferson County
Free help in JeffersonFree help in Jefferson
7 HUD-approved counseling agencies with an office in the county7 HUD-approved housing counseling agencies with an office in Jefferson County
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Jefferson County.
37 cities and placesA to Z
All cities in Jefferson CountyAll 37 cities and places in Jefferson County
has a program of its own
- Adamsville
- Bessemer
- Birmingham
- Brighton
- Brookside
- Cahaba Heights
- Center Point
- Chalkville
- Clay
- Concord
- Dixiana
- Fairfield
- Forestdale
- Fultondale
- Gardendale
- Grayson Valley
- Graysville
- Homewood
- Hoover
- Hueytown
- Irondale
- Kimberly
- Leeds
- Lipscomb
- Midfield
- Minor
- Morris
- Mount Olive
- Mountain Brook
- Pinson
- Pleasant Grove
- Rock Creek
- Sylvan Springs
- Tarrant
- Trussville
- Vestavia Hills
- Warrior
Jefferson questions
Can I use a county program anywhere in Jefferson?
The 2 county-wide programs cover homes anywhere in the county. City programs, like Birmingham’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Jefferson County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Jefferson programs accept condos?
0 of the 2 county-wide programs and 1 of the 2 city programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Jefferson?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies have an office in Jefferson County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.