Northwest Michigan Habitat for Humanity Home Ready Program
First mortgage · New construction · Income limits
Down payment assistance · Emmet County
Buying a home in Harbor Springs, MI
1 county program and 9 statewide.Harbor Springs has no program of its own, 1 across Emmet 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 Harbor Springs
No program of Harbor Springs’s own yet
No program run for Harbor Springs alone is listed. A home in Harbor Springs can use Emmet County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Midland, about 131 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in EmmetAnywhere in Emmet County
1 county program1 county program a Harbor Springs homebuyer can use
The Harbor Springs marketThe Harbor Springs housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Harbor Springs
- 72.1% single-familysingle-family
- 4.6% townhousetownhouse
- 7.6% 2–4 units2–4 units
- 11.5% 5+ unitscondo & apartment buildings (5+ units)
- 4.3% mobile & othermobile home & other
About condos. Harbor Springs’s one local program does not list condos as eligible. Northwest Michigan Habitat for Humanity Home Ready Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Harbor Springs’s homes were built
pre-19401970s2020+
62.8%
of Harbor Springs 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.
$101,700
County area median income, 4 people (HUD)HUD area median income, Emmet County, 4-person household (2026)
$75,417
Harbor Springs median household incomeMedian household income in Harbor Springs (Census, 2024)
12 of the 72 programs here set their income limit as a share of Emmet County’s area median income, adjusted for household size. See the published limits for Emmet County
Free help nearbyFree help near Harbor Springs
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Harbor Springs’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Northwest Michigan Habitat for Humanity Home Ready 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
Harbor Springs questions
Does Harbor Springs have its own down payment program?
No program run for Harbor Springs alone is listed. A home in Harbor Springs can use the 1 program that cover Emmet County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Harbor Springs?
Harbor Springs’s one local program does not list condos as eligible. Northwest Michigan Habitat for Humanity Home Ready 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 Emmet County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Emmet 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 Harbor Springs?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Harbor Springs. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
49740
Nearby in Emmet
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.