First mortgage
Lake-McHenry Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Lake County
Buying a home in North Chicago, IL
1 North Chicago program, 2 county programs and 7 statewide.North Chicago has 1 program of its own, 2 more across Lake 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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Only for North Chicago addresses
North Chicago’s own program
Anywhere in LakeAnywhere in Lake County
2 county programs2 county programs a North Chicago homebuyer can also use
The North Chicago marketThe North Chicago housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in North Chicago
- 37.5% single-familysingle-family
- 13.7% townhousetownhouse
- 20.3% 2–4 units2–4 units
- 28.2% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
Condos count. 1 of North Chicago’s 3 local and county programs accept condos. Lake-McHenry Habitat for Humanity Homeownership Program lists single family. Community Partners for Affordable Housing (CPAH) Lake County Down Payment Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When North Chicago’s homes were built
pre-19401970s2020+
62.2%
of North Chicago 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.
$121,500
County area median income, 4 people (HUD)HUD area median income, Lake County, 4-person household (2026)
$60,172
North Chicago median household incomeMedian household income in North Chicago (Census, 2024)
14 of the 72 programs here set their income limit as a share of Lake County’s area median income, adjusted for household size. See the published limits for Lake County
Free help nearbyFree help near North Chicago
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
North Chicago questions
Does North Chicago have its own down payment program?
Yes, one: Lake-McHenry Habitat for Humanity Homeownership Program, a first mortgage for first-time homebuyers (new construction, income limits). It is for homes inside North Chicago.
Can I use assistance on a condo in North Chicago?
1 of North Chicago’s 3 local and county programs accept condos. Lake-McHenry Habitat for Humanity Homeownership Program lists single family. Community Partners for Affordable Housing (CPAH) Lake County Down Payment Assistance 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 Lake County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Lake 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 North Chicago?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of North Chicago. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
60064 · 60086
Nearby in Lake
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.