Homebuyer Assistance Program
Forgivable loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single-family detached, Townhome, Condominium
See details Aug 2026
Down payment assistance · Illinois
Buying a home in St. Clair County, IL
1 county-wide program, 1 city with their own, plus 7 statewide and 62 nationwide.St. Clair has 1 program that covers the whole county and 1 city 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 St. ClairAnywhere in St. Clair County
1 program for every St. Clair address1 program that covers every St. Clair address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Belleville, O'Fallon or East Saint Louis can use it. It is for first-time homebuyers and ask for a homebuyer class.
AMI is HUD’s area median income for St. Clair, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 St. Clair city 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 St. Clair marketThe St. Clair housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in St. Clair
- 72.1% single-familysingle-family
- 5.2% townhousetownhouse
- 7.7% 2–4 units2–4 units
- 10.5% 5+ unitscondo & apartment buildings (5+ units)
- 4.4% mobile & othermobile home & other
Condos count. The one county-wide program lists condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When St. Clair’s homes were built
pre-19401970s2020+
54.9%
of St. Clair 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.
$113,500
HUD area median income, 4 people (FY2026)HUD area median income, St. Clair County, 4-person household (FY2026)
$73,854
Median household income (ACS 2024 5-year)Median household income in St. Clair (Census ACS 2024 5-year)
68.4%
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. 13 of the 71 programs here set their income limit as a share of St. Clair County’s area median income, adjusted for household size. See the published limits for St. Clair County
Free help in St. ClairFree help in St. Clair
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in St. Clair County
St. Clair’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Homebuyer Assistance 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in St. Clair County.
21 cities and placesA to Z
All cities in St. Clair CountyAll 21 cities and places in St. Clair County
St. Clair questions
Can I use a county program anywhere in St. Clair?
The 1 county-wide program cover homes anywhere in the county. City programs, like East St. Louis’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 St. Clair 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 St. Clair programs accept condos?
The one county-wide program lists condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in St. Clair?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in St. Clair 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.