Polk County Down Payment Assistance Program
Deferred second loan · Income limits
Down payment assistance · Polk County
Buying a home in Polk City, IA
3 county programs and 9 statewide.Polk City has no program of its own, 3 across Polk 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.
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What’s local to Polk City
No program of Polk City’s own yet
No program run for Polk City alone is listed. A home in Polk City can use Polk County’s programs below, plus the Iowa statewide and federal ones.
The closest city that runs its own program is Des Moines, about 13 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in PolkAnywhere in Polk County
3 county programs3 county programs a Polk City homebuyer can use
1 more program is for homes in West Des Moines. See them 1 program in neighboring cities — for homes inside those cities, not Polk City
- West Des Moines — Historic West Des Moines Housing Fund - Down Payment Program
The Polk City marketThe Polk City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Polk City
- 79.4% single-familysingle-family
- 13.9% townhousetownhouse
- 3.7% 2–4 units2–4 units
- 3% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Polk City’s homes were built
pre-19401970s2020+
20.8%
of Polk 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.
$116,400
County area median income, 4 people (HUD)HUD area median income, Polk County, 4-person household (2026)
$164,389
Polk City median household incomeMedian household income in Polk City (Census, 2024)
13 of the 74 programs here set their income limit as a share of Polk County’s area median income, adjusted for household size. See the published limits for Polk County
Free help nearbyFree help near Polk City
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 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.
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Across Iowa and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Polk City questions
Does Polk City have its own down payment program?
No program run for Polk City alone is listed. A home in Polk City can use the 3 programs that cover Polk County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Polk City?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Polk County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Polk 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 Polk City?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Polk City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
50226
Nearby in Polk
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.