Forgivable loan
City of Marathon First-Time Homebuyer Assistance
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Monroe County
Buying a home in Marathon, FL
1 Marathon program, 1 county program and 26 statewide.Marathon has 1 program of its own, 1 more across Monroe County, and 26 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 Marathon addresses
Marathon’s own program
Anywhere in MonroeAnywhere in Monroe County
1 county program1 county program a Marathon homebuyer can also use
The Marathon marketThe Marathon housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Marathon
- 48.7% single-familysingle-family
- 7.8% townhousetownhouse
- 9.7% 2–4 units2–4 units
- 19.9% 5+ unitscondo & apartment buildings (5+ units)
- 13.9% mobile & othermobile home & other
Condos count. All 2 of Marathon’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Marathon’s homes were built
pre-19401970s2020+
45.8%
of Marathon 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.
$129,600
County area median income, 4 people (HUD)HUD area median income, Monroe County, 4-person household (2026)
$89,355
Marathon median household incomeMedian household income in Marathon (Census, 2024)
29 of the 90 programs here set their income limit as a share of Monroe County’s area median income, adjusted for household size. See the published limits for Monroe County
Free help nearbyFree help near Marathon
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 Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Marathon questions
Does Marathon have its own down payment program?
Yes, one: City of Marathon First-Time Homebuyer Assistance, a forgivable loan for first-time homebuyers (forgiven over 30 yrs, income limits). It is for homes inside Marathon.
Can I use assistance on a condo in Marathon?
All 2 of Marathon’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 Monroe County?
Each program sets its own. 29 of the programs here set theirs as a share of HUD’s area median income for Monroe 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 Marathon?
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
33050
Nearby in Monroe
Sources
Sources: agency sites (June–July 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–July 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.