Habitat for Humanity of Morgan County Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Morgan County
Buying a home in Hartselle, AL
1 county program and 9 statewide.Hartselle has no program of its own, 1 across Morgan 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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What’s local to Hartselle
No program of Hartselle’s own yet
No program run for Hartselle alone is listed. A home in Hartselle can use Morgan County’s programs below, plus the Alabama statewide and federal ones.
The closest city that runs its own program is Huntsville, about 28 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MorganAnywhere in Morgan County
1 county program1 county program a Hartselle homebuyer can use
The Hartselle marketThe Hartselle housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hartselle
- 79.7% single-familysingle-family
- 3.4% townhousetownhouse
- 9.4% 2–4 units2–4 units
- 5.4% 5+ unitscondo & apartment buildings (5+ units)
- 2.2% mobile & othermobile home & other
About condos. Hartselle’s one local program does not list condos as eligible. Habitat for Humanity of Morgan County Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hartselle’s homes were built
pre-19401970s2020+
47.5%
of Hartselle 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.
$88,600
County area median income, 4 people (HUD)HUD area median income, Morgan County, 4-person household (2026)
$76,290
Hartselle median household incomeMedian household income in Hartselle (Census, 2024)
13 of the 72 programs here set their income limit as a share of Morgan County’s area median income, adjusted for household size. See the published limits for Morgan County
Free help nearbyFree help near Hartselle
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Hartselle’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Morgan County Homeownership Program asks 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
Hartselle questions
Does Hartselle have its own down payment program?
No program run for Hartselle alone is listed. A home in Hartselle can use the 1 program that cover Morgan County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Hartselle?
Hartselle’s one local program does not list condos as eligible. Habitat for Humanity of Morgan County Homeownership 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 Morgan County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Morgan 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 Hartselle?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Hartselle. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
35640
Nearby in Morgan
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.