Macomb County Habitat for Humanity Home Buyer Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Macomb County
Buying a home in Shelby, MI
1 county program and 9 statewide.Shelby has no program of its own, 1 across Macomb County, and 9 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Shelby
No program of Shelby’s own yet
No program run for Shelby alone is listed. A home in Shelby can use Macomb County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Warren, about 13 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 Shelby homebuyer can use
1 more program is for homes in Warren. See them 1 program in neighboring cities — for homes inside those cities, not Shelby
- Warren — City of Warren Direct Homebuyer Assistance Program (HOME)
Income limits in Macomb County
How programs here set their income limits
$104,800
County area median income, 4 people (HUD)HUD area median income, Macomb County, 4-person household (2026)
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 Shelby
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
Shelby’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
Shelby questions
Does Shelby have its own down payment program?
No program run for Shelby alone is listed. A home in Shelby 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 Shelby?
Shelby’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 Shelby?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Shelby. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
49455
Nearby in Macomb
Sources
Sources: agency sites (June–September 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.