Down payment assistance · Kentucky
Buying a home in McCracken County, KY
1 city with their own, plus 9 statewide and 62 nationwide.McCracken has no program that covers the whole county and 1 city with a program of their own. On top of those, 9 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
Only inside city limits
1 city with their own program1 McCracken city with their own program
For a home inside that city.A city program is for a home inside that city.
The McCracken marketThe McCracken housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in McCracken
- 66.7% single-familysingle-family
- 2.5% townhousetownhouse
- 9.9% 2–4 units2–4 units
- 11.3% 5+ unitscondo & apartment buildings (5+ units)
- 9.6% mobile & othermobile home & other
About condos. None of the 1 county or city program here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When McCracken’s homes were built
53.6%
of McCracken 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.
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 72 programs here set their income limit as a share of McCracken County’s area median income, adjusted for household size. See the published limits for McCracken County
Free help in McCrackenFree help in McCracken
3 HUD-approved counseling agencies with an office in the county3 HUD-approved housing counseling agencies with an office in McCracken County
McCracken’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Heart of Paducah Homebuyer 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.
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in McCracken County.
McCracken questions
Can I use a county program anywhere in McCracken?
No program here is listed as covering all of McCracken County. City programs, like Paducah’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 McCracken 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 McCracken programs accept condos?
None of the 1 county or city program here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in McCracken?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies have an office in McCracken 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–July 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.