Deferred second loan
Sedona Employer Assisted Housing Program
First-time homebuyers · New construction · Income limits · Single-family detached · Townhome · Condominium
Down payment assistance · Coconino County
Buying a home in Sedona, AZ
2 Sedona programs, 1 county program and 10 statewide.Sedona has 2 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 Sedona addresses
Sedona’s own programs
Deferred second loan
Sedona Workforce Homeownership Assistance Program
First-time homebuyers · New construction · Income limits · Single-family detached · Townhome · Condominium
Anywhere in CoconinoAnywhere in Coconino County
1 county program1 county program a Sedona homebuyer can also use
3 more programs are for homes in Flagstaff. See them 3 programs in neighboring cities — for homes inside those cities, not Sedona
The Sedona marketThe Sedona housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Sedona
- 70.1% single-familysingle-family
- 7.1% townhousetownhouse
- 1.8% 2–4 units2–4 units
- 8.6% 5+ unitscondo & apartment buildings (5+ units)
- 12.5% mobile & othermobile home & other
Condos count. All 3 of Sedona’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Sedona’s homes were built
pre-19401970s2020+
32.4%
of Sedona 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)
$73,738
Sedona median household incomeMedian household income in Sedona (Census, 2024)
15 of the 75 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 Sedona
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.2 of the 3 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
Sedona questions
Does Sedona have its own down payment program?
Yes, 2: Sedona Employer Assisted Housing Program and Sedona Workforce Homeownership Assistance Program. Each is for homes inside Sedona.
Can I use assistance on a condo in Sedona?
All 3 of Sedona’s local and county programs accept condos. 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 Coconino County?
Each program sets its own. 15 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 Sedona?
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
86336 · 86339 · 86340 · 86341 · 86351
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.