Habitat for Humanity of North Idaho Homeownership Program
Down-payment assistance · New construction · Income limit 80% of AMI
Single Family, Condo
See details Sep 2026
Down payment assistance · Idaho
Buying a home in Kootenai County, ID
1 county-wide program, plus 11 statewide and 62 nationwide.Kootenai has 1 program that covers the whole county. On top of those, 11 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 KootenaiAnywhere in Kootenai County
1 program for every Kootenai address1 program that covers every Kootenai address
It asks for a homebuyer class.This is run for the whole county, so a home in Coeur d'Alene, Post Falls or Hayden can use it. It asks for a homebuyer class.
AMI is HUD’s area median income for Kootenai, adjusted for household size. Each program publishes its own dollar limits.
The Kootenai marketThe Kootenai housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Kootenai
- 73.6% single-familysingle-family
- 2.7% townhousetownhouse
- 5.4% 2–4 units2–4 units
- 10.7% 5+ unitscondo & apartment buildings (5+ units)
- 7.6% mobile & othermobile home & other
Condos count. The one county-wide program lists condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Kootenai’s homes were built
pre-19401970s2020+
30%
of Kootenai 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.
$108,300
HUD area median income, 4 people (FY2026)HUD area median income, Kootenai County, 4-person household (FY2026)
$81,861
Median household income (ACS 2024 5-year)Median household income in Kootenai (Census ACS 2024 5-year)
71.3%
of occupied homes are owner-occupied (Idaho: 72.1%)
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 74 programs here set their income limit as a share of Kootenai County’s area median income, adjusted for household size. See the published limits for Kootenai County
Free help in KootenaiFree help in Kootenai
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Kootenai County
Kootenai’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 Idaho 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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Kootenai County.
6 cities and placesA to Z
All cities in Kootenai CountyAll 6 cities and places in Kootenai County
Kootenai questions
Can I use a county program anywhere in Kootenai?
The 1 county-wide program cover homes anywhere in the county. City programs 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 Kootenai 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 Kootenai programs accept condos?
The one county-wide program lists condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Kootenai?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Kootenai 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.