Homeownership Assistance Program (HAP) - Baldwin County
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Baldwin County
Buying a home in Orange Beach, AL
2 county programs and 9 statewide.Orange Beach has no program of its own, 2 across Baldwin 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 Orange Beach
No program of Orange Beach’s own yet
No program run for Orange Beach alone is listed. A home in Orange Beach can use Baldwin County’s programs below, plus the Alabama statewide and federal ones.
The closest city that runs its own program is Mobile, about 39 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in BaldwinAnywhere in Baldwin County
2 county programs2 county programs a Orange Beach homebuyer can use
The Orange Beach marketThe Orange Beach housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Orange Beach
- 23.4% single-familysingle-family
- 0.9% townhousetownhouse
- 5.1% 2–4 units2–4 units
- 68.8% 5+ unitscondo & apartment buildings (5+ units)
- 1.8% mobile & othermobile home & other
About condos. None of Orange Beach’s 2 local and county programs list condos as eligible. Homeownership Assistance Program (HAP) - Baldwin County lists single family. Habitat for Humanity of Baldwin County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Orange Beach’s homes were built
pre-19401970s2020+
5.1%
of Orange Beach 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.
$102,400
County area median income, 4 people (HUD)HUD area median income, Baldwin County, 4-person household (2026)
$97,736
Orange Beach median household incomeMedian household income in Orange Beach (Census, 2024)
15 of the 73 programs here set their income limit as a share of Baldwin County’s area median income, adjusted for household size. See the published limits for Baldwin County
Free help nearbyFree help near Orange Beach
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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
Orange Beach questions
Does Orange Beach have its own down payment program?
No program run for Orange Beach alone is listed. A home in Orange Beach can use the 2 programs that cover Baldwin County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Orange Beach?
None of Orange Beach’s 2 local and county programs list condos as eligible. Homeownership Assistance Program (HAP) - Baldwin County lists single family. Habitat for Humanity of Baldwin 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 Baldwin County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Baldwin 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 Orange Beach?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
36561
Nearby in Baldwin
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.