Habitat for Humanity of Monroe County Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Monroe County
Buying a home in Smithville-Sanders, IN
1 county program and 8 statewide.Smithville-Sanders has no program of its own, 1 across Monroe County, 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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What’s local to Smithville-Sanders
No program of Smithville-Sanders’s own yet
No program run for Smithville-Sanders alone is listed. A home in Smithville-Sanders can use Monroe County’s programs below, plus the Indiana statewide and federal ones.
The closest city that runs its own program is Bloomington, about 7 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MonroeAnywhere in Monroe County
1 county program1 county program a Smithville-Sanders homebuyer can use
3 more programs are for homes in Bloomington. See them 3 programs in neighboring cities — for homes inside those cities, not Smithville-Sanders
- Bloomington — Bloomington Down Payment & Closing Cost Assistance Program
- Bloomington — Down Payment and Closing Cost Home Ownership Program
- Bloomington — Shared Equity Homeownership Program
The Smithville-Sanders marketThe Smithville-Sanders housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Smithville-Sanders
- 49.7% single-familysingle-family
- 16.1% townhousetownhouse
- 12.1% 2–4 units2–4 units
- 20.8% 5+ unitscondo & apartment buildings (5+ units)
- 1.4% mobile & othermobile home & other
About condos. Smithville-Sanders’s one local program does not list condos as eligible. Habitat for Humanity of Monroe County Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Smithville-Sanders’s homes were built
pre-19401970s2020+
34.8%
of Smithville-Sanders 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
County area median income, 4 people (HUD)HUD area median income, Monroe County, 4-person household (2026)
$74,750
Smithville-Sanders median household incomeMedian household income in Smithville-Sanders (Census, 2024)
13 of the 71 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 nearbyFree help near Smithville-Sanders
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Smithville-Sanders’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 Monroe 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 Indiana and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Smithville-Sanders questions
Does Smithville-Sanders have its own down payment program?
No program run for Smithville-Sanders alone is listed. A home in Smithville-Sanders can use the 1 program that cover Monroe County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Smithville-Sanders?
Smithville-Sanders’s one local program does not list condos as eligible. Habitat for Humanity of Monroe 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 Monroe County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Monroe 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 Smithville-Sanders?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Smithville-Sanders. Create a free account and take the 90-second match to see the ones near you.
Nearby in Monroe
Sources
Sources: agency sites (June–August 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–August 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.