Hopi Credit Association Home Construction Loan
First mortgage · New construction · Income limits
Down payment assistance · Navajo County
Buying a home in Joseph City, AZ
1 county program and 10 statewide.Joseph City has no program of its own, 1 across Navajo 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 Joseph City
No program of Joseph City’s own yet
No program run for Joseph City alone is listed. A home in Joseph City can use Navajo County’s programs below, plus the Arizona statewide and federal ones.
The closest city that runs its own program is Flagstaff, about 76 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in NavajoAnywhere in Navajo County
1 county program1 county program a Joseph City homebuyer can use
The Joseph City marketThe Joseph City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Joseph City
- 58.4% single-familysingle-family
- 0% townhousetownhouse
- 0% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 41.6% mobile & othermobile home & other
About condos. Joseph City’s one local program does not list condos as eligible. Hopi Credit Association Home Construction Loan lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Joseph City’s homes were built
pre-19401970s2020+
54.8%
of Joseph City 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.
$63,000
County area median income, 4 people (HUD)HUD area median income, Navajo County, 4-person household (2026)
$75,227
Joseph City median household incomeMedian household income in Joseph City (Census, 2024)
13 of the 73 programs here set their income limit as a share of Navajo County’s area median income, adjusted for household size. See the published limits for Navajo County
Free help nearbyFree help near Joseph City
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Joseph City’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Hopi Credit Association Home Construction Loan asks 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
Joseph City questions
Does Joseph City have its own down payment program?
No program run for Joseph City alone is listed. A home in Joseph City can use the 1 program that cover Navajo County and the 10 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Joseph City?
Joseph City’s one local program does not list condos as eligible. Hopi Credit Association Home Construction Loan 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 Navajo County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Navajo 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 Joseph City?
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
86032
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.