First mortgage
Habitat for Humanity of DeKalb County Homeownership Program
New construction · Single Family
Down payment assistance · DeKalb County
Buying a home in DeKalb, IL
1 DeKalb program and 7 statewide.DeKalb has 1 program 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 DeKalb addresses
DeKalb’s own program
The DeKalb marketThe DeKalb housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in DeKalb
- 40.8% single-familysingle-family
- 8.1% townhousetownhouse
- 9.5% 2–4 units2–4 units
- 39.5% 5+ unitscondo & apartment buildings (5+ units)
- 2.2% mobile & othermobile home & other
About condos. DeKalb’s one local program does not list condos as eligible. Habitat for Humanity of DeKalb County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When DeKalb’s homes were built
pre-19401970s2020+
58.6%
of DeKalb 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.
$112,500
County area median income, 4 people (HUD)HUD area median income, DeKalb County, 4-person household (2026)
$46,481
DeKalb median household incomeMedian household income in DeKalb (Census, 2024)
12 of the 70 programs here set their income limit as a share of DeKalb County’s area median income, adjusted for household size. See the published limits for DeKalb County
Free help nearbyFree help near DeKalb
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
DeKalb’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of DeKalb County Homeownership 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.
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Across Illinois and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
DeKalb questions
Does DeKalb have its own down payment program?
Yes, one: Habitat for Humanity of DeKalb County Homeownership Program, a first mortgage (new construction). It is for homes inside DeKalb.
Can I use assistance on a condo in DeKalb?
DeKalb’s one local program does not list condos as eligible. Habitat for Humanity of DeKalb County Homeownership 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 DeKalb County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for DeKalb 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 DeKalb?
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
60115
Nearby in DeKalb
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.