Maricopa County HOME
Deferred second loan · Income limits
Down payment assistance · Maricopa County
Buying a home in El Mirage, AZ
5 county programs and 10 statewide.El Mirage has no program of its own, 5 across Maricopa County, and 10 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 El Mirage
No program of El Mirage’s own yet
No program run for El Mirage alone is listed. A home in El Mirage can use Maricopa County’s programs below, plus the Arizona statewide and federal ones.
The closest city that runs its own program is Avondale, about 12 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MaricopaAnywhere in Maricopa County
5 county programs5 county programs a El Mirage homebuyer can use
7 more programs are for homes in Avondale, Mesa, Chandler, Phoenix and Tempe. See them 7 programs in neighboring cities — for homes inside those cities, not El Mirage
- Avondale — Avondale First-Time Homebuyer Program
- Mesa — City of Mesa Homeownership Assistance Program (HOA)
- Chandler — Chandler First-Time Homebuyers Program (Community Land Trust)
- Phoenix — City of Phoenix Section 32 Public Housing Homeownership Program
- Tempe — City of Tempe Community Assisted Mortgage Program (CAMP)
- Phoenix — CPLC Open Doors Down Payment Assistance Program
- Phoenix — Habitat for Humanity Central Arizona Homeownership Program
The El Mirage marketThe El Mirage housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in El Mirage
- 86% single-familysingle-family
- 1.1% townhousetownhouse
- 1.5% 2–4 units2–4 units
- 3.2% 5+ unitscondo & apartment buildings (5+ units)
- 8.2% mobile & othermobile home & other
Condos count. 3 of El Mirage’s 5 local and county programs accept condos. 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 El Mirage’s homes were built
pre-19401970s2020+
11.1%
of El Mirage 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
County area median income, 4 people (HUD)HUD area median income, Maricopa County, 4-person household (2026)
$78,050
El Mirage median household incomeMedian household income in El Mirage (Census, 2024)
16 of the 77 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 nearbyFree help near El Mirage
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 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 Arizona and nationwide
72 statewide & federal programs10 statewide programs, plus federal options
El Mirage questions
Does El Mirage have its own down payment program?
No program run for El Mirage alone is listed. A home in El Mirage can use the 5 programs that cover Maricopa County and the 10 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in El Mirage?
3 of El Mirage’s 5 local and county programs accept condos. SRFSI IDA Matched Savings Homeownership Program lists single family. Newtown Community Land Trust (CLT) 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 Maricopa County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Maricopa 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 El Mirage?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of El Mirage. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
85335
Nearby in Maricopa
Sources
Sources: agency sites (June–August 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–August 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.