Down-payment assistance
Habitat for Humanity of Greater Birmingham Homeownership Program
Income limits · Single Family
Down payment assistance · Jefferson County
Buying a home in Fairfield, AL
1 Fairfield program, 1 county program and 9 statewide.Fairfield has 1 program of its own, 1 more across Jefferson County, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Fairfield addresses
Fairfield’s own program
Anywhere in JeffersonAnywhere in Jefferson County
1 county program1 county program a Fairfield homebuyer can also use
2 more programs are for homes in Birmingham. See them 2 programs in neighboring cities — for homes inside those cities, not Fairfield
- Birmingham — Down Payment Assistance Program
- Birmingham — HABD Housing Choice Voucher (HCV) Homeownership Program
The Fairfield marketThe Fairfield housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Fairfield
- 75% single-familysingle-family
- 2.2% townhousetownhouse
- 11% 2–4 units2–4 units
- 9.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.9% mobile & othermobile home & other
About condos. None of Fairfield’s 2 local and county programs list condos as eligible. Habitat for Humanity of Greater Birmingham Homeownership Program lists single family. Jefferson County Home Buyers Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Fairfield’s homes were built
pre-19401970s2020+
82.2%
of Fairfield 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
County area median income, 4 people (HUD)HUD area median income, Jefferson County, 4-person household (2026)
$48,456
Fairfield median household incomeMedian household income in Fairfield (Census, 2024)
15 of the 73 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 nearbyFree help near Fairfield
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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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Across Alabama and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Fairfield questions
Does Fairfield have its own down payment program?
Yes, one: Habitat for Humanity of Greater Birmingham Homeownership Program, a down-payment assistance (income limits). It is for homes inside Fairfield.
Can I use assistance on a condo in Fairfield?
None of Fairfield’s 2 local and county programs list condos as eligible. Habitat for Humanity of Greater Birmingham Homeownership Program lists single family. Jefferson County Home Buyers Assistance Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Jefferson County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Jefferson County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Fairfield?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Fairfield. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
35064
Nearby in Jefferson
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.