Forgivable loan
City of Flagstaff Employer Assisted Housing Program (EAH)
First-time homebuyers · Income limits · Single Family · Townhouse · Condo
Down payment assistance · Coconino County
Buying a home in Flagstaff, AZ
3 Flagstaff programs, 1 county program and 10 statewide.Flagstaff has 3 programs of its own, 1 more across Coconino 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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Only for Flagstaff addresses
Flagstaff’s own programs
Deferred second loan
Community Homebuyer Assistance Program (CHAP)
First-time homebuyers · New construction · Income limits · Single-Family · Townhome · Condo
First mortgage
Habitat for Humanity of Northern Arizona Starter Home Homeownership Program
First-time homebuyers · New construction · Income limits
Anywhere in CoconinoAnywhere in Coconino County
1 county program1 county program a Flagstaff homebuyer can also use
The Flagstaff marketThe Flagstaff housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Flagstaff
- 42.5% single-familysingle-family
- 9.1% townhousetownhouse
- 11.2% 2–4 units2–4 units
- 31% 5+ unitscondo & apartment buildings (5+ units)
- 6.3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Flagstaff’s homes were built
pre-19401970s2020+
28.3%
of Flagstaff 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.
$106,000
County area median income, 4 people (HUD)HUD area median income, Coconino County, 4-person household (2026)
$71,512
Flagstaff median household incomeMedian household income in Flagstaff (Census, 2024)
16 of the 76 programs here set their income limit as a share of Coconino County’s area median income, adjusted for household size. See the published limits for Coconino County
Free help nearbyFree help near Flagstaff
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.3 of the 4 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
Flagstaff questions
Does Flagstaff have its own down payment program?
Yes, 3: City of Flagstaff Employer Assisted Housing Program (EAH), Community Homebuyer Assistance Program (CHAP) and Habitat for Humanity of Northern Arizona Starter Home Homeownership Program. Each is for homes inside Flagstaff.
Can I use assistance on a condo in Flagstaff?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Coconino County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Coconino 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 Flagstaff?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Flagstaff. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
86001 · 86002 · 86003 · 86004 · 86011
Nearby in Coconino
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.