First mortgage
Habitat for Humanity of the Mississippi Gulf Coast Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family · New Construction
Down payment assistance · Harrison County
Buying a home in Gulfport, MS
1 Gulfport program and 13 statewide.Gulfport has 1 program of its own, and 13 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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Only for Gulfport addresses
Gulfport’s own program
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Biloxi. See them 1 program in neighboring cities — for homes inside those cities, not Gulfport
- Biloxi — City of Biloxi HOME Program Homebuyer Assistance
The Gulfport marketThe Gulfport housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Gulfport
- 65.4% single-familysingle-family
- 2.6% townhousetownhouse
- 9.3% 2–4 units2–4 units
- 18.6% 5+ unitscondo & apartment buildings (5+ units)
- 4% mobile & othermobile home & other
About condos. Gulfport’s one local program does not list condos as eligible. Habitat for Humanity of the Mississippi Gulf Coast Homeownership Program lists single family and new construction.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Gulfport’s homes were built
pre-19401970s2020+
43.5%
of Gulfport 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.
$83,100
County area median income, 4 people (HUD)HUD area median income, Harrison County, 4-person household (2026)
$49,919
Gulfport median household incomeMedian household income in Gulfport (Census, 2024)
15 of the 76 programs here set their income limit as a share of Harrison County’s area median income, adjusted for household size. See the published limits for Harrison County
Free help nearbyFree help near Gulfport
4 HUD-approved counseling agencies within 15 miles4 HUD-approved housing counseling agencies within 15 miles
Gulfport’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of the Mississippi Gulf Coast Homeownership 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 Mississippi and nationwide
75 statewide & federal programs13 statewide programs, plus federal options
Gulfport questions
Does Gulfport have its own down payment program?
Yes, one: Habitat for Humanity of the Mississippi Gulf Coast Homeownership Program, a first mortgage for first-time homebuyers (new construction, income limits). It is for homes inside Gulfport.
Can I use assistance on a condo in Gulfport?
Gulfport’s one local program does not list condos as eligible. Habitat for Humanity of the Mississippi Gulf Coast Homeownership Program lists single family and new construction. 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 Harrison County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Harrison 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 Gulfport?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies are within 15 miles of Gulfport. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
39501 · 39502 · 39503 · 39505 · 39506 · 39507
Nearby in Harrison
Sources
Sources: agency sites (June–July 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–July 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.