Down payment assistance · Michigan
Buying a home in Alpena County, MI
8 statewide and 62 nationwide.Alpena has no program that covers the whole county. On top of those, 8 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
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The Alpena marketThe Alpena housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Alpena
- 80.2% single-familysingle-family
- 1% townhousetownhouse
- 7.2% 2–4 units2–4 units
- 6.4% 5+ unitscondo & apartment buildings (5+ units)
- 5.2% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Alpena’s homes were built
72.1%
of Alpena 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.
The two income figures measure different things. HUD’s area median income is the one programs use. 11 of the 70 programs here set their income limit as a share of Alpena County’s area median income, adjusted for household size. See the published limits for Alpena County
Free help in AlpenaFree help in Alpena
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Alpena County
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Alpena County.
1 city and placeA to Z
All cities in Alpena CountyAll 1 city and place in Alpena County
Alpena questions
Can I use a county program anywhere in Alpena?
No program here is listed as covering all of Alpena 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 Alpena 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 Alpena 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 Alpena?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Alpena County. Create a free account and take the 90-second match to see the ones near you.
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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.