Habitat for Humanity of Monroe County Homeownership Program
First mortgage · New construction · Income limit 80% of AMI
single_family
See details Aug 2026
Down payment assistance · Indiana
Buying a home in Monroe County, IN
1 county-wide program, 1 city with their own, plus 8 statewide and 62 nationwide.Monroe has 1 program that covers the whole county and 1 city with a program of their own. On top of those, 8 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in MonroeAnywhere in Monroe County
1 program for every Monroe address1 program that covers every Monroe address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Bloomington, Ellettsville or Smithville-Sanders can use it. It is for first-time homebuyers and ask for a homebuyer class.
AMI is HUD’s area median income for Monroe, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Monroe city with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
The Monroe marketThe Monroe housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Monroe
- 53.4% single-familysingle-family
- 5.8% townhousetownhouse
- 7.3% 2–4 units2–4 units
- 28.8% 5+ unitscondo & apartment buildings (5+ units)
- 4.7% mobile & othermobile home & other
Condos count. 0 of the 1 county-wide program and 2 of the 3 city programs list condos as eligible. Habitat for Humanity of Monroe County Homeownership Program lists single_family. Bloomington Down Payment & Closing Cost Assistance Program lists single-family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Monroe’s homes were built
pre-19401970s2020+
41.8%
of Monroe 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.
$109,900
HUD area median income, 4 people (FY2026)HUD area median income, Monroe County, 4-person household (FY2026)
$65,868
Median household income (ACS 2024 5-year)Median household income in Monroe (Census ACS 2024 5-year)
54%
of occupied homes are owner-occupied (Indiana: 70.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 16 of the 74 programs here set their income limit as a share of Monroe County’s area median income, adjusted for household size. See the published limits for Monroe County
Free help in MonroeFree help in Monroe
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Monroe County
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Monroe County.
3 cities and placesA to Z
All cities in Monroe CountyAll 3 cities and places in Monroe County
has a program of its own
Monroe questions
Can I use a county program anywhere in Monroe?
The 1 county-wide program cover homes anywhere in the county. City programs, like Bloomington’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Monroe County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Monroe programs accept condos?
0 of the 1 county-wide program and 2 of the 3 city programs list condos as eligible. Habitat for Humanity of Monroe County Homeownership Program lists single_family. Bloomington Down Payment & Closing Cost Assistance Program lists single-family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Monroe?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Monroe County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.