Down payment assistance · Illinois
Buying a home in Coles County, IL
7 statewide and 62 nationwide.Coles has no program that covers the whole county. On top of those, 7 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
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The Coles marketThe Coles housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Coles
- 67.5% single-familysingle-family
- 3% townhousetownhouse
- 9.3% 2–4 units2–4 units
- 16.2% 5+ unitscondo & apartment buildings (5+ units)
- 4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Coles’s homes were built
64.8%
of Coles 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.
The two income figures measure different things. HUD’s area median income is the one programs use. 12 of the 69 programs here set their income limit as a share of Coles County’s area median income, adjusted for household size. See the published limits for Coles County
Free help in ColesFree help in Coles
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Coles County
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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Coles County.
2 cities and placesA to Z
All cities in Coles CountyAll 2 cities and places in Coles County
Coles questions
Can I use a county program anywhere in Coles?
No program here is listed as covering all of Coles 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 Coles 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 Coles programs accept condos?
Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.
Where can I take a homebuyer class in Coles?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Coles County. Create a free account and take the 90-second match to see the ones near you.
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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.