Habitat for Humanity Kern County - Homeownership Program
Assistance grant · New construction · Income limits
Down payment assistance · Kern County
Buying a home in Oildale, CA
2 county programs and 54 statewide.Oildale has no program of its own, 2 across Kern 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 Oildale
No program of Oildale’s own yet
No program run for Oildale alone is listed. A home in Oildale can use Kern County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Bakersfield, about 3 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in KernAnywhere in Kern County
2 county programs2 county programs a Oildale homebuyer can use
2 more programs are for homes in Bakersfield. See them 2 programs in neighboring cities — for homes inside those cities, not Oildale
- Bakersfield — City of Bakersfield First-Time Homebuyer Program (Direct City Program)
- Bakersfield — My Way Home Hope to Home - Bakersfield City Program
The Oildale marketThe Oildale housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Oildale
- 63% single-familysingle-family
- 2.4% townhousetownhouse
- 18.9% 2–4 units2–4 units
- 6.8% 5+ unitscondo & apartment buildings (5+ units)
- 8.9% mobile & othermobile home & other
Condos count. 1 of Oildale’s 2 local and county programs accept condos. Habitat for Humanity Kern County - Homeownership Program lists habitat-built single-family home.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Oildale’s homes were built
pre-19401970s2020+
66.2%
of Oildale 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.
$81,900
County area median income, 4 people (HUD)HUD area median income, Kern County, 4-person household (2026)
$51,298
Oildale median household incomeMedian household income in Oildale (Census, 2024)
52 of the 118 programs here set their income limit as a share of Kern County’s area median income, adjusted for household size. See the published limits for Kern County
Free help nearbyFree help near Oildale
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.All 2 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 California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Oildale questions
Does Oildale have its own down payment program?
No program run for Oildale alone is listed. A home in Oildale can use the 2 programs that cover Kern County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Oildale?
1 of Oildale’s 2 local and county programs accept condos. Habitat for Humanity Kern County - Homeownership Program lists habitat-built single-family home. 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 Kern County?
Each program sets its own. 52 of the programs here set theirs as a share of HUD’s area median income for Kern 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 Oildale?
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 Kern
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.