Oakland County Treasurer's Independent Bank Home Buyer Assistance Program
Assistance grant · Income limits
Down payment assistance · Oakland County
Buying a home in Madison Heights, MI
2 county programs and 9 statewide.Madison Heights has no program of its own, 2 across Oakland 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 Madison Heights
No program of Madison Heights’s own yet
No program run for Madison Heights alone is listed. A home in Madison Heights can use Oakland County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Warren, about 5 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in OaklandAnywhere in Oakland County
2 county programs2 county programs a Madison Heights homebuyer can use
1 more program is for homes in Pontiac. See them 1 program in neighboring cities — for homes inside those cities, not Madison Heights
- Pontiac — City of Pontiac Down Payment Assistance Program
The Madison Heights marketThe Madison Heights housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Madison Heights
- 67.2% single-familysingle-family
- 1.7% townhousetownhouse
- 3% 2–4 units2–4 units
- 23.8% 5+ unitscondo & apartment buildings (5+ units)
- 4.4% mobile & othermobile home & other
About condos. None of Madison Heights’s 2 local and county programs list condos as eligible. Oakland County Treasurer's Independent Bank Home Buyer Assistance Program lists single family. Habitat for Humanity of Oakland County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Madison Heights’s homes were built
pre-19401970s2020+
83.1%
of Madison Heights 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.
$104,800
County area median income, 4 people (HUD)HUD area median income, Oakland County, 4-person household (2026)
$69,503
Madison Heights median household incomeMedian household income in Madison Heights (Census, 2024)
14 of the 73 programs here set their income limit as a share of Oakland County’s area median income, adjusted for household size. See the published limits for Oakland County
Free help nearbyFree help near Madison Heights
25 HUD-approved counseling agencies within 15 miles25 HUD-approved housing counseling agencies 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
Madison Heights questions
Does Madison Heights have its own down payment program?
No program run for Madison Heights alone is listed. A home in Madison Heights can use the 2 programs that cover Oakland County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Madison Heights?
None of Madison Heights’s 2 local and county programs list condos as eligible. Oakland County Treasurer's Independent Bank Home Buyer Assistance Program lists single family. Habitat for Humanity of Oakland County Homeownership 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 Oakland County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Oakland 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 Madison Heights?
HUD-approved housing counseling agencies teach homebuyer classes, and 25 agencies are within 15 miles of Madison Heights. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
48071
Nearby in Oakland
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.