Northern Homes CDC Community Land Trust Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Charlevoix County
Buying a home in Charlevoix, MI
1 county program and 9 statewide.Charlevoix has no program of its own, 1 across Charlevoix 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 Charlevoix
No program of Charlevoix’s own yet
No program run for Charlevoix alone is listed. A home in Charlevoix can use Charlevoix County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Midland, about 128 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CharlevoixAnywhere in Charlevoix County
1 county program1 county program a Charlevoix homebuyer can use
The Charlevoix marketThe Charlevoix housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Charlevoix
- 63.4% single-familysingle-family
- 4.4% townhousetownhouse
- 6.2% 2–4 units2–4 units
- 24.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.1% mobile & othermobile home & other
About condos. Charlevoix’s one local program does not list condos as eligible. Northern Homes CDC Community Land Trust Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Charlevoix’s homes were built
pre-19401970s2020+
71%
of Charlevoix 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.
$97,400
County area median income, 4 people (HUD)HUD area median income, Charlevoix County, 4-person household (2026)
$47,917
Charlevoix median household incomeMedian household income in Charlevoix (Census, 2024)
12 of the 72 programs here set their income limit as a share of Charlevoix County’s area median income, adjusted for household size. See the published limits for Charlevoix County
Free help nearbyFree help near Charlevoix
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Charlevoix’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Northern Homes CDC Community Land Trust 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
Charlevoix questions
Does Charlevoix have its own down payment program?
No program run for Charlevoix alone is listed. A home in Charlevoix can use the 1 program that cover Charlevoix County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Charlevoix?
Charlevoix’s one local program does not list condos as eligible. Northern Homes CDC Community Land Trust 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 Charlevoix County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Charlevoix 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 Charlevoix?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Charlevoix. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
49720
Nearby in Charlevoix
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.