Maricopa County HOME
Deferred second loan · Income limit 80% of AMI
Single Family, Condo, Townhouse
See details Jun 2026
Down payment assistance · Arizona
Buying a home in Maricopa County, AZ
5 county-wide programs, 5 cities with their own, plus 10 statewide and 62 nationwide.Maricopa has 5 programs that cover the whole county and 5 cities with a program of their own. On top of those, 10 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 MaricopaAnywhere in Maricopa County
5 programs for every Maricopa address5 programs that cover every Maricopa address
All 5 ask for a homebuyer class.These are run for the whole county, so a home in Phoenix, Mesa or Chandler can use them. All 5 ask for a homebuyer class.
Newtown CDC Individual Development Account (IDA) Down Payment Assistance
Assistance grant · New construction · Income limit 78% of AMI
Single Family, Condo, Manufactured
See details Jul 2026
SRFSI IDA Matched Savings Homeownership Program
Assistance grant · New construction · Income limits
Single Family
See details Aug 2026
Home in Five Advantage
Forgivable loan · Forgiven over 3 yrs · Income limits
Single Family, Condo, Townhouse, PUD
See details Jul 2026
Newtown Community Land Trust (CLT) Program
Shared-appreciation loan · Income limit 80% of AMI
Single Family
See details Jul 2026
AMI is HUD’s area median income for Maricopa, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
5 cities with their own program5 Maricopa cities with their own program
For a home inside that city, on top of the county-wide 5.A city program is for a home inside that city. Buying there? It sits on top of the 5 county-wide programs above.
AvondaleCity page Avondale First-Time Homebuyer ProgramChandlerCity page Chandler First-Time Homebuyers Program (Community Land Trust)MesaCity page City of Mesa Homeownership Assistance Program (HOA)PhoenixCity page City of Phoenix Section 32 Public Housing Homeownership ProgramCPLC Open Doors Down Payment Assistance ProgramHabitat for Humanity Central Arizona Homeownership ProgramTempeCity page City of Tempe Community Assisted Mortgage Program (CAMP)
The Maricopa marketThe Maricopa housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Maricopa
- 64.2% single-familysingle-family
- 5.6% townhousetownhouse
- 4.8% 2–4 units2–4 units
- 20.7% 5+ unitscondo & apartment buildings (5+ units)
- 4.8% mobile & othermobile home & other
Condos count. 3 of the 5 county-wide programs list condos as eligible. SRFSI IDA Matched Savings Homeownership Program lists single family. Newtown Community Land Trust (CLT) Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Maricopa’s homes were built
pre-19401970s2020+
28.6%
of Maricopa 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.
$112,400
HUD area median income, 4 people (FY2026)HUD area median income, Maricopa County, 4-person household (FY2026)
$89,300
Median household income (ACS 2024 5-year)Median household income in Maricopa (Census ACS 2024 5-year)
65.2%
of occupied homes are owner-occupied (Arizona: 67.4%)
The two income figures measure different things. HUD’s area median income is the one programs use. 23 of the 84 programs here set their income limit as a share of Maricopa County’s area median income, adjusted for household size. See the published limits for Maricopa County
Free help in MaricopaFree help in Maricopa
12 HUD-approved counseling agencies with an office in the county12 HUD-approved housing counseling agencies with an office in Maricopa County
12 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 12 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.
Find my counselor
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Maricopa County.
38 cities and placesA to Z
All cities in Maricopa CountyAll 38 cities and places in Maricopa County
has a program of its own
- Ahwatukee Foothills
- Alhambra
- Anthem
- Avondale
- Buckeye
- Carefree
- Cave Creek
- Chandler
- Citrus Park
- Deer Valley
- El Mirage
- Fountain Hills
- Gila Bend
- Gilbert
- Glendale
- Goodyear
- Guadalupe
- Laveen
- Litchfield Park
- Maryvale
- Mesa
- New River
- Paradise Valley
- Peoria
- Phoenix
- Queen Creek
- Rio Verde
- San Carlos
- Scottsdale
- Sun City
- Sun City West
- Sun Lakes
- Surprise
- Tempe
- Tempe Junction
- Tolleson
- Wickenburg
- Youngtown
Maricopa questions
Can I use a county program anywhere in Maricopa?
The 5 county-wide programs cover homes anywhere in the county. City programs, like Avondale’s and Chandler’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 Maricopa 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 Maricopa programs accept condos?
3 of the 5 county-wide programs list condos as eligible. SRFSI IDA Matched Savings Homeownership Program lists single family. Newtown Community Land Trust (CLT) Program lists single family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Maricopa?
HUD-approved housing counseling agencies teach homebuyer classes, and 12 agencies have an office in Maricopa 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–August 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.