Rock Island County I-HOPE Down Payment Assistance
Forgivable loan · New construction · Income limits
See details Jul 2026
Down payment assistance · Illinois
Buying a home in Rock Island County, IL
1 county-wide program, 2 cities with their own, plus 7 statewide and 62 nationwide.Rock Island has 1 program that covers the whole county and 2 cities with a program of their own. 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.
Free · No credit pull · No SSN
Anywhere in Rock IslandAnywhere in Rock Island County
1 program for every Rock Island address1 program that covers every Rock Island address
It asks for a homebuyer class.This is run for the whole county, so a home in Moline, Rock Island or East Moline can use it. It asks for a homebuyer class.
Only inside city limits
2 cities with their own program2 Rock Island cities with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
The Rock Island marketThe Rock Island housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Rock Island
- 70.2% single-familysingle-family
- 4% townhousetownhouse
- 6.7% 2–4 units2–4 units
- 16.4% 5+ unitscondo & apartment buildings (5+ units)
- 2.7% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Rock Island’s homes were built
pre-19401970s2020+
76.3%
of Rock Island 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.
$97,500
HUD area median income, 4 people (FY2026)HUD area median income, Rock Island County, 4-person household (FY2026)
$67,159
Median household income (ACS 2024 5-year)Median household income in Rock Island (Census ACS 2024 5-year)
69.7%
of occupied homes are owner-occupied (Illinois: 67.1%)
The two income figures measure different things. HUD’s area median income is the one programs use. 15 of the 73 programs here set their income limit as a share of Rock Island County’s area median income, adjusted for household size. See the published limits for Rock Island County
Free help in Rock IslandFree help in Rock Island
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Rock Island County
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask 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.
Find my counselor
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Rock Island County.
10 cities and placesA to Z
All cities in Rock Island CountyAll 10 cities and places in Rock Island County
has a program of its own
Rock Island questions
Can I use a county program anywhere in Rock Island?
The 1 county-wide program cover homes anywhere in the county. City programs, like Moline’s and Rock Island’s, 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 Rock Island 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 Rock Island 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 Rock Island?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Rock Island 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.