SIMPCO Pathway to Purchase Homebuyer Grant
Assistance grant · Income limit 80% of AMI
Single Family
See details Jul 2026
Down payment assistance · Iowa
Buying a home in Woodbury County, IA
2 county-wide programs, 1 city with their own, plus 7 statewide and 62 nationwide.Woodbury has 2 programs that cover the whole county and 1 city with a program of their own. On top of those, 7 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in WoodburyAnywhere in Woodbury County
2 programs for every Woodbury address2 programs that cover every Woodbury address
All 2 are for first-time homebuyers.These are run for the whole county, so a home in Sioux City, Sergeant Bluff or Moville can use them. All 2 are for first-time homebuyers.
Siouxland Habitat for Humanity Homeownership Program
Down-payment assistance · New construction · Income limit 80% of AMI
Single Family
See details Sep 2026
AMI is HUD’s area median income for Woodbury, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Woodbury city with their own program
For a home inside that city, on top of the county-wide 2.A city program is for a home inside that city. Buying there? It sits on top of the 2 county-wide programs above.
The Woodbury marketThe Woodbury housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Woodbury
- 72.2% single-familysingle-family
- 4.6% townhousetownhouse
- 5.4% 2–4 units2–4 units
- 14.3% 5+ unitscondo & apartment buildings (5+ units)
- 3.5% mobile & othermobile home & other
Condos count. 0 of the 2 county-wide programs and the one city program list condos as eligible. SIMPCO Pathway to Purchase Homebuyer Grant lists single family. Siouxland Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Woodbury’s homes were built
pre-19401970s2020+
74.2%
of Woodbury 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.
$97,900
HUD area median income, 4 people (FY2026)HUD area median income, Woodbury County, 4-person household (FY2026)
$73,658
Median household income (ACS 2024 5-year)Median household income in Woodbury (Census ACS 2024 5-year)
68.2%
of occupied homes are owner-occupied (Iowa: 71.7%)
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 72 programs here set their income limit as a share of Woodbury County’s area median income, adjusted for household size. See the published limits for Woodbury County
Free help in WoodburyFree help in Woodbury
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Woodbury County
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.
Find my counselor
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Woodbury County.
3 cities and placesA to Z
All cities in Woodbury CountyAll 3 cities and places in Woodbury County
has a program of its own
Woodbury questions
Can I use a county program anywhere in Woodbury?
The 2 county-wide programs cover homes anywhere in the county. City programs, like Sioux City’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Woodbury County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Woodbury programs accept condos?
0 of the 2 county-wide programs and the one city program list condos as eligible. SIMPCO Pathway to Purchase Homebuyer Grant lists single family. Siouxland Habitat for Humanity Homeownership Program lists single family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Woodbury?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Woodbury County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.