Habitat for Humanity of North Central Iowa Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Cerro Gordo County
Buying a home in Clear Lake, IA
1 county program and 9 statewide.Clear Lake has no program of its own, 1 across Cerro Gordo County, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
What’s local to Clear Lake
No program of Clear Lake’s own yet
No program run for Clear Lake alone is listed. A home in Clear Lake can use Cerro Gordo County’s programs below, plus the Iowa statewide and federal ones.
The closest city that runs its own program is Cedar Falls, about 63 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in Cerro GordoAnywhere in Cerro Gordo County
1 county program1 county program a Clear Lake homebuyer can use
The Clear Lake marketThe Clear Lake housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Clear Lake
- 67.7% single-familysingle-family
- 0.9% townhousetownhouse
- 5.3% 2–4 units2–4 units
- 18.5% 5+ unitscondo & apartment buildings (5+ units)
- 7.7% mobile & othermobile home & other
About condos. Clear Lake’s one local program does not list condos as eligible. Habitat for Humanity of North Central Iowa Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Clear Lake’s homes were built
pre-19401970s2020+
64.4%
of Clear Lake 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.
$97,400
County area median income, 4 people (HUD)HUD area median income, Cerro Gordo County, 4-person household (2026)
$79,415
Clear Lake median household incomeMedian household income in Clear Lake (Census, 2024)
11 of the 72 programs here set their income limit as a share of Cerro Gordo County’s area median income, adjusted for household size. See the published limits for Cerro Gordo County
Free help nearbyFree help near Clear Lake
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Clear Lake’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of North Central Iowa Homeownership 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Iowa and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Clear Lake questions
Does Clear Lake have its own down payment program?
No program run for Clear Lake alone is listed. A home in Clear Lake can use the 1 program that cover Cerro Gordo County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Clear Lake?
Clear Lake’s one local program does not list condos as eligible. Habitat for Humanity of North Central Iowa Homeownership Program 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 Cerro Gordo County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Cerro Gordo 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 Clear Lake?
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
50428
Nearby in Cerro Gordo
Sources
Sources: agency sites (June–September 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–September 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.