Greater Jackson Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limits
Single Family
See details Aug 2026
Down payment assistance · Michigan
Buying a home in Jackson County, MI
1 county-wide program, 1 city with their own, plus 8 statewide and 62 nationwide.Jackson has 1 program that covers the whole county and 1 city with a program of their own. 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.
Free · No credit pull · No SSN
Anywhere in JacksonAnywhere in Jackson County
1 program for every Jackson address1 program that covers every Jackson address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Jackson, Vandercook Lake or Michigan Center can use it. It is for first-time homebuyers and ask for a homebuyer class.
Only inside city limits
1 city with their own program1 Jackson city with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
The Jackson marketThe Jackson housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Jackson
- 75.9% single-familysingle-family
- 2.2% townhousetownhouse
- 6.5% 2–4 units2–4 units
- 10.1% 5+ unitscondo & apartment buildings (5+ units)
- 5.3% mobile & othermobile home & other
About condos. None of the 2 county or city programs here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Jackson’s homes were built
pre-19401970s2020+
67.7%
of Jackson 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.
$101,200
HUD area median income, 4 people (FY2026)HUD area median income, Jackson County, 4-person household (FY2026)
$66,073
Median household income (ACS 2024 5-year)Median household income in Jackson (Census ACS 2024 5-year)
75%
of occupied homes are owner-occupied (Michigan: 73.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 12 of the 72 programs here set their income limit as a share of Jackson County’s area median income, adjusted for household size. See the published limits for Jackson County
Free help in JacksonFree help in Jackson
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Jackson County
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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Jackson County.
8 cities and placesA to Z
All cities in Jackson CountyAll 8 cities and places in Jackson County
has a program of its own
Jackson questions
Can I use a county program anywhere in Jackson?
The 1 county-wide program cover homes anywhere in the county. City programs, like Jackson’s, 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 Jackson 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 Jackson programs accept condos?
None of the 2 county or city programs here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Jackson?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Jackson County. 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.