Forgivable loan
Lincoln Central HOME Homebuyer Program (SIHCDC / City of Columbus)
Income limits · Single Family
Down payment assistance · Bartholomew County
Buying a home in Columbus, IN
1 Columbus program and 8 statewide.Columbus has 1 program of its own, and 8 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 Columbus addresses
Columbus’s own program
The Columbus marketThe Columbus housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Columbus
- 68.2% single-familysingle-family
- 3% townhousetownhouse
- 6.2% 2–4 units2–4 units
- 20.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.6% mobile & othermobile home & other
About condos. Columbus’s one local program does not list condos as eligible. Lincoln Central HOME Homebuyer Program (SIHCDC / City of Columbus) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Columbus’s homes were built
pre-19401970s2020+
48.4%
of Columbus 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.
$94,200
County area median income, 4 people (HUD)HUD area median income, Bartholomew County, 4-person household (2026)
$77,456
Columbus median household incomeMedian household income in Columbus (Census, 2024)
13 of the 71 programs here set their income limit as a share of Bartholomew County’s area median income, adjusted for household size. See the published limits for Bartholomew County
Free help nearbyFree help near Columbus
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Columbus’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Lincoln Central HOME Homebuyer Program (SIHCDC / City of Columbus) 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 Indiana and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Columbus questions
Does Columbus have its own down payment program?
Yes, one: Lincoln Central HOME Homebuyer Program (SIHCDC / City of Columbus), a forgivable loan (forgiven over 15 yrs, income limits). It is for homes inside Columbus.
Can I use assistance on a condo in Columbus?
Columbus’s one local program does not list condos as eligible. Lincoln Central HOME Homebuyer Program (SIHCDC / City of Columbus) 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 Bartholomew County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Bartholomew 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 Columbus?
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
47201 · 47202 · 47203
Nearby in Bartholomew
Sources
Sources: agency sites (June–July 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–July 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.