Wichita Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Sedgwick County
Buying a home in Derby, KS
1 county program and 7 statewide.Derby has no program of its own, 1 across Sedgwick 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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What’s local to Derby
No program of Derby’s own yet
No program run for Derby alone is listed. A home in Derby can use Sedgwick County’s programs below, plus the Kansas statewide and federal ones.
The closest city that runs its own program is Wichita, about 11 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in SedgwickAnywhere in Sedgwick County
1 county program1 county program a Derby homebuyer can use
The Derby marketThe Derby housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Derby
- 72.2% single-familysingle-family
- 6.2% townhousetownhouse
- 4.4% 2–4 units2–4 units
- 16.8% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
About condos. Derby’s one local program does not list condos as eligible. Wichita Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Derby’s homes were built
pre-19401970s2020+
32.4%
of Derby 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.
$96,500
County area median income, 4 people (HUD)HUD area median income, Sedgwick County, 4-person household (2026)
$84,112
Derby median household incomeMedian household income in Derby (Census, 2024)
14 of the 70 programs here set their income limit as a share of Sedgwick County’s area median income, adjusted for household size. See the published limits for Sedgwick County
Free help nearbyFree help near Derby
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Derby’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Wichita Habitat for Humanity 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 Kansas and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Derby questions
Does Derby have its own down payment program?
No program run for Derby alone is listed. A home in Derby can use the 1 program that cover Sedgwick County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Derby?
Derby’s one local program does not list condos as eligible. Wichita Habitat for Humanity 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 Sedgwick County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Sedgwick 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 Derby?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Derby. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
67037
Nearby in Sedgwick
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.