Habitat for Humanity of DeKalb County Homeownership Program
First mortgage · New construction
Down payment assistance · DeKalb County
Buying a home in Kirkland, IL
1 county program and 7 statewide.Kirkland has no program of its own, 1 across DeKalb 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 Kirkland
No program of Kirkland’s own yet
No program run for Kirkland alone is listed. A home in Kirkland can use DeKalb County’s programs below, plus the Illinois statewide and federal ones.
The closest city that runs its own program is Rockford, about 18 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in DeKalbAnywhere in DeKalb County
1 county program1 county program a Kirkland homebuyer can use
The Kirkland marketThe Kirkland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Kirkland
- 80.5% single-familysingle-family
- 1.4% townhousetownhouse
- 7.7% 2–4 units2–4 units
- 10.4% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
About condos. Kirkland’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 Kirkland’s homes were built
pre-19401970s2020+
50.1%
of Kirkland 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)
$94,338
Kirkland median household incomeMedian household income in Kirkland (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 Kirkland
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Kirkland’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
Kirkland questions
Does Kirkland have its own down payment program?
No program run for Kirkland alone is listed. A home in Kirkland can use the 1 program that cover DeKalb County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Kirkland?
Kirkland’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 Kirkland?
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
60146
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.