Forgivable loan
Home Buyers Loan Program (City of Opelika)
First-time homebuyers · Income limits · Single Family
Down payment assistance · Lee County
Buying a home in Opelika, AL
2 Opelika programs and 9 statewide.Opelika has 2 programs of its own, 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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Opelika’s own programs
Down-payment assistance
Auburn Opelika Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · single_family
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Auburn. See them 1 program in neighboring cities — for homes inside those cities, not Opelika
- Auburn — Homeownership Assistance Program (City of Auburn)
The Opelika marketThe Opelika housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Opelika
- 68.8% single-familysingle-family
- 3.2% townhousetownhouse
- 8.3% 2–4 units2–4 units
- 9.5% 5+ unitscondo & apartment buildings (5+ units)
- 10.1% mobile & othermobile home & other
About condos. None of Opelika’s 2 local and county programs list condos as eligible. Home Buyers Loan Program (City of Opelika) lists single family. Auburn Opelika Habitat for Humanity Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Opelika’s homes were built
pre-19401970s2020+
35.7%
of Opelika 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.
$108,900
County area median income, 4 people (HUD)HUD area median income, Lee County, 4-person household (2026)
$65,004
Opelika median household incomeMedian household income in Opelika (Census, 2024)
15 of the 73 programs here set their income limit as a share of Lee County’s area median income, adjusted for household size. See the published limits for Lee County
Free help nearbyFree help near Opelika
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency 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
Opelika questions
Does Opelika have its own down payment program?
Yes, 2: Home Buyers Loan Program (City of Opelika) and Auburn Opelika Habitat for Humanity Homeownership Program. Each is for homes inside Opelika.
Can I use assistance on a condo in Opelika?
None of Opelika’s 2 local and county programs list condos as eligible. Home Buyers Loan Program (City of Opelika) lists single family. Auburn Opelika Habitat for Humanity 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 Lee County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Lee 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 Opelika?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Opelika. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
36801 · 36802 · 36803 · 36804
Nearby in Lee
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.