Silent second
Hardin County Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Hardin County
Buying a home in Elizabethtown, KY
1 Elizabethtown program and 9 statewide.Elizabethtown has 1 program of its own, and 9 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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Only for Elizabethtown addresses
Elizabethtown’s own program
The Elizabethtown marketThe Elizabethtown housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Elizabethtown
- 55.4% single-familysingle-family
- 6% townhousetownhouse
- 15.7% 2–4 units2–4 units
- 19.9% 5+ unitscondo & apartment buildings (5+ units)
- 3.1% mobile & othermobile home & other
About condos. Elizabethtown’s one local program does not list condos as eligible. Hardin County Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Elizabethtown’s homes were built
pre-19401970s2020+
37.7%
of Elizabethtown 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.
$92,100
County area median income, 4 people (HUD)HUD area median income, Hardin County, 4-person household (2026)
$60,760
Elizabethtown median household incomeMedian household income in Elizabethtown (Census, 2024)
13 of the 72 programs here set their income limit as a share of Hardin County’s area median income, adjusted for household size. See the published limits for Hardin County
Free help nearbyFree help near Elizabethtown
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Elizabethtown’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Hardin County 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 Kentucky and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Elizabethtown questions
Does Elizabethtown have its own down payment program?
Yes, one: Hardin County Habitat for Humanity Homeownership Program, a silent second for first-time homebuyers (new construction, income limits). It is for homes inside Elizabethtown.
Can I use assistance on a condo in Elizabethtown?
Elizabethtown’s one local program does not list condos as eligible. Hardin County 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 Hardin County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Hardin 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 Elizabethtown?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
42701 · 42702
Nearby in Hardin
Sources
Sources: agency sites (June–July 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–July 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.