Forgivable loan
Heart of Paducah Homebuyer Program
First-time homebuyers · Income limits · Single Family (newly constructed or fully renovated, 1,000-1,500 sq ft)
Down payment assistance · McCracken County
Buying a home in Paducah, KY
1 Paducah program and 9 statewide.Paducah 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 Paducah addresses
Paducah’s own program
The Paducah marketThe Paducah housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Paducah
- 62% single-familysingle-family
- 2.4% townhousetownhouse
- 12.9% 2–4 units2–4 units
- 19.1% 5+ unitscondo & apartment buildings (5+ units)
- 3.6% mobile & othermobile home & other
About condos. Paducah’s one local program does not list condos as eligible. Heart of Paducah Homebuyer Program lists single family (newly constructed or fully renovated, 1,000-1,500 sq ft).
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Paducah’s homes were built
pre-19401970s2020+
67.7%
of Paducah 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.
$102,400
County area median income, 4 people (HUD)HUD area median income, McCracken County, 4-person household (2026)
$49,915
Paducah median household incomeMedian household income in Paducah (Census, 2024)
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 nearbyFree help near Paducah
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
Paducah’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.
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Across Kentucky and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Paducah questions
Does Paducah have its own down payment program?
Yes, one: Heart of Paducah Homebuyer Program, a forgivable loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside Paducah.
Can I use assistance on a condo in Paducah?
Paducah’s one local program does not list condos as eligible. Heart of Paducah Homebuyer Program lists single family (newly constructed or fully renovated, 1,000-1,500 sq ft). 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 McCracken County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for McCracken 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 Paducah?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Paducah. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
42001 · 42002 · 42003
Nearby in McCracken
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.