Habitat for Humanity of Champaign County Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Champaign County
Buying a home in Gifford, IL
2 county programs and 7 statewide.Gifford has no program of its own, 2 across Champaign County, 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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What’s local to Gifford
No program of Gifford’s own yet
No program run for Gifford alone is listed. A home in Gifford can use Champaign County’s programs below, plus the Illinois statewide and federal ones.
The closest city that runs its own program is Danville, about 24 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ChampaignAnywhere in Champaign County
2 county programs2 county programs a Gifford homebuyer can use
The Gifford marketThe Gifford housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Gifford
- 84.4% single-familysingle-family
- 2.2% townhousetownhouse
- 2.2% 2–4 units2–4 units
- 11.2% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Gifford’s homes were built
pre-19401970s2020+
44.5%
of Gifford 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.
$114,300
County area median income, 4 people (HUD)HUD area median income, Champaign County, 4-person household (2026)
$76,964
Gifford median household incomeMedian household income in Gifford (Census, 2024)
14 of the 71 programs here set their income limit as a share of Champaign County’s area median income, adjusted for household size. See the published limits for Champaign County
Free help nearbyFree help near Gifford
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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.
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Across Illinois and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Gifford questions
Does Gifford have its own down payment program?
No program run for Gifford alone is listed. A home in Gifford can use the 2 programs that cover Champaign County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Gifford?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Champaign County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Champaign 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 Gifford?
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
61847
Nearby in Champaign
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.