Habitat for Humanity of Champaign County Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Champaign County
Buying a home in Homer, IL
2 county programs and 7 statewide.Homer 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Homer
No program of Homer’s own yet
No program run for Homer alone is listed. A home in Homer 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 18 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 Homer homebuyer can use
The Homer marketThe Homer housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Homer
- 85.1% single-familysingle-family
- 0.4% townhousetownhouse
- 10.9% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 3.6% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Homer’s homes were built
pre-19401970s2020+
84.2%
of Homer 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)
$85,875
Homer median household incomeMedian household income in Homer (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 Homer
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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Illinois and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Homer questions
Does Homer have its own down payment program?
No program run for Homer alone is listed. A home in Homer 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 Homer?
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 Homer?
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
61849
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.