Macomb County Habitat for Humanity Home Buyer Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Macomb County
Buying a home in Memphis, MI
1 county program and 9 statewide.Memphis has no program of its own, 1 across Macomb 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 Memphis
No program of Memphis’s own yet
No program run for Memphis alone is listed. A home in Memphis can use Macomb County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Port Huron, about 18 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MacombAnywhere in Macomb County
1 county program1 county program a Memphis homebuyer can use
1 more program is for homes in Warren. See them 1 program in neighboring cities — for homes inside those cities, not Memphis
- Warren — City of Warren Direct Homebuyer Assistance Program (HOME)
The Memphis marketThe Memphis housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Memphis
- 64.4% single-familysingle-family
- 0.6% townhousetownhouse
- 4.3% 2–4 units2–4 units
- 30.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
About condos. Memphis’s one local program does not list condos as eligible. Macomb County Habitat for Humanity Home Buyer Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Memphis’s homes were built
pre-19401970s2020+
72%
of Memphis 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, Macomb County, 4-person household (2026)
$57,222
Memphis median household incomeMedian household income in Memphis (Census, 2024)
12 of the 72 programs here set their income limit as a share of Macomb County’s area median income, adjusted for household size. See the published limits for Macomb County
Free help nearbyFree help near Memphis
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Memphis’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Macomb County Habitat for Humanity Home Buyer 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
Memphis questions
Does Memphis have its own down payment program?
No program run for Memphis alone is listed. A home in Memphis can use the 1 program that cover Macomb County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Memphis?
Memphis’s one local program does not list condos as eligible. Macomb County Habitat for Humanity Home Buyer 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 Macomb County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Macomb 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 Memphis?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
48041
Nearby in Macomb
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.