Down-payment assistance
Habitat for Humanity of North Central Iowa Homeownership Program
New construction · Income limits · Single Family
Down payment assistance · Cerro Gordo County
Buying a home in Mason City, IA
1 Mason City program and 9 statewide.Mason City has 1 program of its own, and 9 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 Mason City addresses
Mason City’s own program
The Mason City marketThe Mason City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Mason City
- 75.8% single-familysingle-family
- 3.1% townhousetownhouse
- 5.7% 2–4 units2–4 units
- 13.8% 5+ unitscondo & apartment buildings (5+ units)
- 1.5% mobile & othermobile home & other
About condos. Mason City’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 Mason City’s homes were built
pre-19401970s2020+
77.5%
of Mason City 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)
$64,804
Mason City median household incomeMedian household income in Mason City (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 Mason City
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Mason City’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.
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Across Iowa and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Mason City questions
Does Mason City have its own down payment program?
Yes, one: Habitat for Humanity of North Central Iowa Homeownership Program, a down-payment assistance (new construction, income limits). It is for homes inside Mason City.
Can I use assistance on a condo in Mason City?
Mason City’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 Mason City?
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
50401 · 50402
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.