Monterey County First-Time Homebuyer Program
Deferred second loan · New construction · Income limits
Down payment assistance · Monterey County
Buying a home in Elkhorn, CA
1 county program and 54 statewide.Elkhorn has no program of its own, 1 across Monterey County, and 54 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 Elkhorn
No program of Elkhorn’s own yet
No program run for Elkhorn alone is listed. A home in Elkhorn can use Monterey County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Watsonville, about 6 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MontereyAnywhere in Monterey County
1 county program1 county program a Elkhorn homebuyer can use
1 more program is for homes in Salinas. See them 1 program in neighboring cities — for homes inside those cities, not Elkhorn
- Salinas — City of Salinas First-Time Homebuyer Assistance Program
The Elkhorn marketThe Elkhorn housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Elkhorn
- 86.6% single-familysingle-family
- 0% townhousetownhouse
- 5.4% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 7.9% mobile & othermobile home & other
Condos count. Elkhorn’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Elkhorn’s homes were built
pre-19401970s2020+
59.2%
of Elkhorn 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.
$110,500
County area median income, 4 people (HUD)HUD area median income, Monterey County, 4-person household (2026)
$126,964
Elkhorn median household incomeMedian household income in Elkhorn (Census, 2024)
51 of the 117 programs here set their income limit as a share of Monterey County’s area median income, adjusted for household size. See the published limits for Monterey County
Free help nearbyFree help near Elkhorn
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Elkhorn’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Monterey County First-Time Homebuyer Program 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 California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Elkhorn questions
Does Elkhorn have its own down payment program?
No program run for Elkhorn alone is listed. A home in Elkhorn can use the 1 program that cover Monterey County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Elkhorn?
Elkhorn’s one local program accepts 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 Monterey County?
Each program sets its own. 51 of the programs here set theirs as a share of HUD’s area median income for Monterey 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 Elkhorn?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Nearby in Monterey
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.