Assistance grant
City of Carbondale Single-Family Housing Conversion Program
Income limits · Single Family
Down payment assistance · Jackson County
Buying a home in Carbondale, IL
2 Carbondale programs and 7 statewide.Carbondale has 2 programs of its own, and 7 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 Carbondale addresses
Carbondale’s own programs
Forgivable loan
City of Carbondale Down Payment Assistance Program
First-time homebuyers · Income limits · Single Family
The Carbondale marketThe Carbondale housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Carbondale
- 32.2% single-familysingle-family
- 3.4% townhousetownhouse
- 15.5% 2–4 units2–4 units
- 42.8% 5+ unitscondo & apartment buildings (5+ units)
- 6.1% mobile & othermobile home & other
About condos. None of Carbondale’s 2 local and county programs list condos as eligible. City of Carbondale Single-Family Housing Conversion Program lists single family. City of Carbondale Down Payment Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Carbondale’s homes were built
pre-19401970s2020+
57.6%
of Carbondale 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.
$85,200
County area median income, 4 people (HUD)HUD area median income, Jackson County, 4-person household (2026)
$32,128
Carbondale median household incomeMedian household income in Carbondale (Census, 2024)
13 of the 71 programs here set their income limit as a share of Jackson County’s area median income, adjusted for household size. See the published limits for Jackson County
Free help nearbyFree help near Carbondale
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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 Illinois and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Carbondale questions
Does Carbondale have its own down payment program?
Yes, 2: City of Carbondale Single-Family Housing Conversion Program and City of Carbondale Down Payment Assistance Program. Each is for homes inside Carbondale.
Can I use assistance on a condo in Carbondale?
None of Carbondale’s 2 local and county programs list condos as eligible. City of Carbondale Single-Family Housing Conversion Program lists single family. City of Carbondale Down Payment Assistance 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 Jackson County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Jackson 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 Carbondale?
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
62901 · 62902 · 62903
Nearby in Jackson
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.