HOMEbuyer Program
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Madison County
Buying a home in Granite City, IL
1 county program and 7 statewide.Granite City has no program of its own, 1 across Madison 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 Granite City
No program of Granite City’s own yet
No program run for Granite City alone is listed. A home in Granite City can use Madison County’s programs below, plus the Illinois statewide and federal ones.
The closest city that runs its own program is Collinsville, about 9 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MadisonAnywhere in Madison County
1 county program1 county program a Granite City homebuyer can use
2 more programs are for homes in Collinsville and Alton. See them 2 programs in neighboring cities — for homes inside those cities, not Granite City
- Collinsville — First Time Homebuyer Program
- Alton — Homeownership Program
The Granite City marketThe Granite City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Granite City
- 81.5% single-familysingle-family
- 1.8% townhousetownhouse
- 8.6% 2–4 units2–4 units
- 7.7% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
Condos count. Granite City’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Granite City’s homes were built
pre-19401970s2020+
84.2%
of Granite City 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
County area median income, 4 people (HUD)HUD area median income, Madison County, 4-person household (2026)
$59,205
Granite City median household incomeMedian household income in Granite City (Census, 2024)
13 of the 70 programs here set their income limit as a share of Madison County’s area median income, adjusted for household size. See the published limits for Madison County
Free help nearbyFree help near Granite City
12 HUD-approved counseling agencies within 15 miles12 HUD-approved housing counseling agencies within 15 miles
Granite City’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.HOMEbuyer 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
Granite City questions
Does Granite City have its own down payment program?
No program run for Granite City alone is listed. A home in Granite City can use the 1 program that cover Madison County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Granite City?
Granite City’s one local program accepts condos. 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 Madison County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Madison 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 Granite City?
HUD-approved housing counseling agencies teach homebuyer classes, and 12 agencies are within 15 miles of Granite City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
62040
Nearby in Madison
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.