Habitat for Humanity of Huron Valley Home Ownership Program
Down-payment assistance · Income limits
Down payment assistance · Washtenaw County
Buying a home in Chelsea, MI
2 county programs and 9 statewide.Chelsea has no program of its own, 2 across Washtenaw 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 Chelsea
No program of Chelsea’s own yet
No program run for Chelsea alone is listed. A home in Chelsea can use Washtenaw County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Jackson, about 20 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in WashtenawAnywhere in Washtenaw County
2 county programs2 county programs a Chelsea homebuyer can use
1 more program is for homes in Ypsilanti. See them 1 program in neighboring cities — for homes inside those cities, not Chelsea
- Ypsilanti — LiveYpsi Homebuyer Assistance Program
The Chelsea marketThe Chelsea housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Chelsea
- 59.7% single-familysingle-family
- 14.1% townhousetownhouse
- 4.6% 2–4 units2–4 units
- 21.6% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Chelsea’s homes were built
pre-19401970s2020+
56%
of Chelsea 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.
$142,300
County area median income, 4 people (HUD)HUD area median income, Washtenaw County, 4-person household (2026)
$72,098
Chelsea median household incomeMedian household income in Chelsea (Census, 2024)
14 of the 73 programs here set their income limit as a share of Washtenaw County’s area median income, adjusted for household size. See the published limits for Washtenaw County
Free help nearbyFree help near Chelsea
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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
Chelsea questions
Does Chelsea have its own down payment program?
No program run for Chelsea alone is listed. A home in Chelsea can use the 2 programs that cover Washtenaw County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Chelsea?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Washtenaw County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Washtenaw 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 Chelsea?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Chelsea. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
48118
Nearby in Washtenaw
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.