Forgivable loan
Live-Work Rock Island Employer Assisted Homebuyer Program
Income limits
Down payment assistance · Rock Island County
Buying a home in Rock Island, IL
1 Rock Island program, 1 county program and 7 statewide.Rock Island has 1 program of its own, 1 more across Rock Island 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 Rock Island addresses
Rock Island’s own program
Anywhere in Rock IslandAnywhere in Rock Island County
1 county program1 county program a Rock Island homebuyer can also use
The Rock Island marketThe Rock Island housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Rock Island
- 67.9% single-familysingle-family
- 3.7% townhousetownhouse
- 7.2% 2–4 units2–4 units
- 20.1% 5+ unitscondo & apartment buildings (5+ units)
- 1% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Rock Island’s homes were built
pre-19401970s2020+
84.4%
of Rock Island 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.
$97,500
County area median income, 4 people (HUD)HUD area median income, Rock Island County, 4-person household (2026)
$59,041
Rock Island median household incomeMedian household income in Rock Island (Census, 2024)
13 of the 71 programs here set their income limit as a share of Rock Island County’s area median income, adjusted for household size. See the published limits for Rock Island County
Free help nearbyFree help near Rock Island
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
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
Rock Island questions
Does Rock Island have its own down payment program?
Yes, one: Live-Work Rock Island Employer Assisted Homebuyer Program, a forgivable loan (forgiven over 5 yrs, income limits). It is for homes inside Rock Island.
Can I use assistance on a condo in Rock Island?
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 Rock Island County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Rock Island 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 Rock Island?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Rock Island. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
61201 · 61204 · 61299
Nearby in Rock Island
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.