Bay County Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Bay County
Buying a home in Auburn, MI
1 county program and 9 statewide.Auburn has no program of its own, 1 across Bay County, 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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What’s local to Auburn
No program of Auburn’s own yet
No program run for Auburn alone is listed. A home in Auburn can use Bay County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Midland, about 9 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in BayAnywhere in Bay County
1 county program1 county program a Auburn homebuyer can use
The Auburn marketThe Auburn housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Auburn
- 71.7% single-familysingle-family
- 13.4% townhousetownhouse
- 3.4% 2–4 units2–4 units
- 11.5% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
About condos. Auburn’s one local program does not list condos as eligible. Bay County Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Auburn’s homes were built
pre-19401970s2020+
61%
of Auburn 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.
$89,900
County area median income, 4 people (HUD)HUD area median income, Bay County, 4-person household (2026)
$71,653
Auburn median household incomeMedian household income in Auburn (Census, 2024)
12 of the 72 programs here set their income limit as a share of Bay County’s area median income, adjusted for household size. See the published limits for Bay County
Free help nearbyFree help near Auburn
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Auburn’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Bay 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 Michigan and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Auburn questions
Does Auburn have its own down payment program?
No program run for Auburn alone is listed. A home in Auburn can use the 1 program that cover Bay County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Auburn?
Auburn’s one local program does not list condos as eligible. Bay 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 Bay County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Bay 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 Auburn?
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
48611
Nearby in Bay
Sources
Sources: agency sites (June–September 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–September 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.