Boise City/Ada County Housing Authority Housing Choice Voucher Homeownership Option (HCVHO)
Down-payment assistance
Down payment assistance · Ada County
Buying a home in Garden City, ID
2 county programs and 11 statewide.Garden City has no program of its own, 2 across Ada County, and 11 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 Garden City
No program of Garden City’s own yet
No program run for Garden City alone is listed. A home in Garden City can use Ada County’s programs below, plus the Idaho statewide and federal ones.
The closest city that runs its own program is Boise, about 2 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in AdaAnywhere in Ada County
2 county programs2 county programs a Garden City homebuyer can use
The Garden City marketThe Garden City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Garden City
- 51.1% single-familysingle-family
- 13.5% townhousetownhouse
- 7% 2–4 units2–4 units
- 14.6% 5+ unitscondo & apartment buildings (5+ units)
- 13.7% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Garden City’s homes were built
pre-19401970s2020+
25.2%
of Garden 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.
$110,700
County area median income, 4 people (HUD)HUD area median income, Ada County, 4-person household (2026)
$70,124
Garden City median household incomeMedian household income in Garden City (Census, 2024)
13 of the 75 programs here set their income limit as a share of Ada County’s area median income, adjusted for household size. See the published limits for Ada County →
Free help nearbyFree help near Garden City
4 HUD-approved counseling agencies within 15 miles4 HUD-approved housing counseling agencies within 15 miles
Garden City’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Treasure Valley Habitat for Humanity 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 Idaho and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
- FHLB Des Moines Native American Homeownership Initiative (NAHI) GrantUp to $25,000 · Assistance grant
- FHLB Des Moines Home$tart Down Payment Assistance GrantUp to $15,000 · Assistance grant
- Idaho Housing Homebuyer Tax Credit (Mortgage Credit Certificate / MCC)Up to $2,000 · Mortgage credit certificate
Garden City questions
Does Garden City have its own down payment program?
No program run for Garden City alone is listed. A home in Garden City can use the 2 programs that cover Ada County and the 11 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Garden 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 Ada County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Ada 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 Garden City?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies are within 15 miles of Garden City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
83714
Nearby in Ada
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.