Down payment assistance · Kentucky
Buying a home in McCreary County, KY
9 statewide and 62 nationwide.McCreary has no program that covers the whole county. 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.
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The McCreary marketThe McCreary housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in McCreary
- 64.1% single-familysingle-family
- 1.9% townhousetownhouse
- 5.3% 2–4 units2–4 units
- 2.8% 5+ unitscondo & apartment buildings (5+ units)
- 25.9% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When McCreary’s homes were built
40.8%
of McCreary 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 71 programs here set their income limit as a share of McCreary County’s area median income, adjusted for household size. See the published limits for McCreary County
Free help in McCrearyFree help in McCreary
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
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3 cities and placesA to Z
All cities in McCreary CountyAll 3 cities and places in McCreary County
McCreary questions
Can I use a county program anywhere in McCreary?
No program here is listed as covering all of McCreary County. City programs 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 McCreary 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 McCreary programs accept condos?
Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.
Where can I take a homebuyer class in McCreary?
HUD-approved housing counseling agencies teach homebuyer classes. 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.