Forgivable loan
City of Jackson 100 Homes Program
Income limits · Single Family
Down payment assistance · Jackson County
Buying a home in Jackson, MI
3 Jackson programs and 9 statewide.Jackson has 3 programs of its own, 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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Jackson’s own programs
Down-payment assistance
Community Action Agency (Jackson, Lenawee & Hillsdale) Individual Development Account (IDA) Program
First-time homebuyers · Income limits
First mortgage
Greater Jackson Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
The Jackson marketThe Jackson housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Jackson
- 64.9% single-familysingle-family
- 2.4% townhousetownhouse
- 16.7% 2–4 units2–4 units
- 15.5% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Jackson’s homes were built
pre-19401970s2020+
88.5%
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
County area median income, 4 people (HUD)HUD area median income, Jackson County, 4-person household (2026)
$44,558
Jackson median household incomeMedian household income in Jackson (Census, 2024)
13 of the 74 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 nearbyFree help near Jackson
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Jackson questions
Does Jackson have its own down payment program?
Yes, 3: City of Jackson 100 Homes Program, Community Action Agency (Jackson, Lenawee & Hillsdale) Individual Development Account (IDA) Program and Greater Jackson Habitat for Humanity Homeownership Program. Each is for homes inside Jackson.
Can I use assistance on a condo in Jackson?
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 Jackson County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Jackson 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 Jackson?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Jackson. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
49201 · 49202 · 49203 · 49204
Nearby in Jackson
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.