Garrett County First-Time Homebuyer Grant
Assistance grant · Income limits
See details Sep 2026
Down payment assistance · Maryland
Buying a home in Garrett County, MD
1 county-wide program, plus 14 statewide and 62 nationwide.Garrett has 1 program that covers the whole county. On top of those, 14 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
Anywhere in GarrettAnywhere in Garrett County
1 program for every Garrett address1 program that covers every Garrett address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Mountain Lake Park or Oakland can use it. It is for first-time homebuyers and ask for a homebuyer class.
The Garrett marketThe Garrett housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Garrett
- 80% single-familysingle-family
- 4.1% townhousetownhouse
- 1.9% 2–4 units2–4 units
- 4.8% 5+ unitscondo & apartment buildings (5+ units)
- 9.1% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Garrett’s homes were built
pre-19401970s2020+
47.5%
of Garrett 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.
$88,300
HUD area median income, 4 people (FY2026)HUD area median income, Garrett County, 4-person household (FY2026)
$67,688
Median household income (ACS 2024 5-year)Median household income in Garrett (Census ACS 2024 5-year)
79.7%
of occupied homes are owner-occupied (Maryland: 67.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 77 programs here set their income limit as a share of Garrett County’s area median income, adjusted for household size. See the published limits for Garrett County
Free help in GarrettFree help in Garrett
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Garrett’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Garrett County First-Time Homebuyer Grant 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.
Find my counselor
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2 cities and placesA to Z
All cities in Garrett CountyAll 2 cities and places in Garrett County
Garrett questions
Can I use a county program anywhere in Garrett?
The 1 county-wide program cover homes anywhere in the 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 Garrett 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 Garrett 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 Garrett?
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–September 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.