Columbus-Lowndes Habitat for Humanity Homeownership Program
Down-payment assistance · New construction · Income limits
single_family
See details Jul 2026
Down payment assistance · Mississippi
Buying a home in Lowndes County, MS
2 county-wide programs, plus 12 statewide and 62 nationwide.Lowndes has 2 programs that cover the whole county. On top of those, 12 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in LowndesAnywhere in Lowndes County
2 programs for every Lowndes address2 programs that cover every Lowndes address
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Columbus, New Hope or Columbus Air Force Base can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
Mississippi Regional Housing Authority IV HCV Homeownership Program
Down-payment assistance · New construction · Income limits
single_family, manufactured_home
See details Jul 2026
The Lowndes marketThe Lowndes housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Lowndes
- 68.7% single-familysingle-family
- 1.9% townhousetownhouse
- 6.3% 2–4 units2–4 units
- 11% 5+ unitscondo & apartment buildings (5+ units)
- 12.2% mobile & othermobile home & other
About condos. None of the 2 county or city programs here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lowndes’s homes were built
pre-19401970s2020+
47.4%
of Lowndes 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.
$75,500
HUD area median income, 4 people (FY2026)HUD area median income, Lowndes County, 4-person household (FY2026)
$53,812
Median household income (ACS 2024 5-year)Median household income in Lowndes (Census ACS 2024 5-year)
61.3%
of occupied homes are owner-occupied (Mississippi: 70%)
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 76 programs here set their income limit as a share of Lowndes County’s area median income, adjusted for household size. See the published limits for Lowndes County
Free help in LowndesFree help in Lowndes
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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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4 cities and placesA to Z
All cities in Lowndes CountyAll 4 cities and places in Lowndes County
Lowndes questions
Can I use a county program anywhere in Lowndes?
The 2 county-wide programs cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Lowndes County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Lowndes programs accept condos?
None of the 2 county or city programs here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Lowndes?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.