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ARCH Community Land Trust Homeownership (Blaine County)

ARCH Community Housing Trust · Hailey, Idaho

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See what you qualify forOfficial program site →
Assistance

40%

Of the purchase price, as the program sets it

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Shared appreciation

Settled on the terms set by ARCH Community Housing Trust

What is ARCH Community Land Trust Homeownership (Blaine County)?

ARCH Community Land Trust Homeownership (Blaine County) is a shared-appreciation loan for homebuyers in Hailey, Idaho, administered by ARCH Community Housing Trust.

  • ARCH Community Housing Trust is Blaine County's community land trust, delivering permanently affordable, deed-restricted homeownership since 2005. ARCH finances homes through federally funded (HUD HOME, 80% AMI / Category 4) and privately funded local-workforce (Category L) programs, and buyers of certain ARCH homes can qualify through IHFA for up to 40% down payment assistance.
  • Permanently affordable deed-restricted homes.
  • Up to 40% IHFA down payment assistance on qualifying homes.
  • Income-limited and no-income-limit workforce tracks.
  • Below-market purchase prices.
  • Funding comes from HUD HOME funds (Category 4 homes) and private/partnership funds (Category L workforce homes); paired with IHFA down payment assistance.

How much assistance does it provide?

ARCH Community Land Trust Homeownership (Blaine County) provides assistance worth 40% of the purchase price, as set by the program.

  • Award tiers: Category 4 (80% AMI, HUD-funded, income-limited) and Category L (Local Workforce, no income limit but net-worth cap and other requirements).
  • The program can be combined with other assistance, subject to the rules of each.
  • Amounts are the program's published maximums, not an offer — ARCH Community Housing Trust determines any individual award.

Do you have to pay it back?

ARCH Community Land Trust Homeownership (Blaine County) is a shared-appreciation loan and is repaid under the terms set by ARCH Community Housing Trust.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

ARCH Community Land Trust Homeownership (Blaine County) is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Finally Home! online homebuyer education (Idaho Housing) must be completed prior to closing.
  • Residency: Local workforce ties for Category L homes.
  • DRAFT (dpa-gap-finder 2026-06-15): pending review. Resale/deed restrictions and net-worth cap (Category L). Buyer must separately qualify with IHFA for the 40% DPA. Recapture/appreciation terms governed by CLT ground lease (specifics not published on page).

The program excludes

  • Manufactured homes
  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

ARCH Community Land Trust Homeownership (Blaine County) limits household income to 80% of the area median income, which varies by county and household size.

  • Category 4 homes: household income at or below 80% AMI. 2026 Blaine County limits: 1 $56,240; 2 $64,240; 3 $72,320; 4 $80,320; 5 $86,720; 6 $93,200. Category L workforce homes have no income limit (net-worth cap applies).
  • The limit applies to total household income, not only the borrower’s.
  • The program lists a maximum household size of 6.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Where does it apply?

ARCH Community Land Trust Homeownership (Blaine County) serves buyers purchasing in Hailey, Idaho.

How do you apply?

Applications for ARCH Community Land Trust Homeownership (Blaine County) go through ARCH Community Housing Trust, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Finally Home! online homebuyer education (Idaho Housing) must be completed prior to closing..

  2. Contact ARCH Community Housing Trust to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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