Deferred second loan
City of Jackson Homebuyer Assistance Program
Income limits
Down payment assistance · Hinds County
Buying a home in Jackson, MS
4 Jackson programs and 13 statewide.Jackson has 4 programs 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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Jackson’s own programs
First mortgage
Habitat for Humanity Mississippi Capital Area Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Deferred second loan
Homebuyer Assistance Program
First-time homebuyers · New construction · Income limits · Single-family detached, condominium, townhouse, PUD · manufactured home on permanent foundation per HUD HOME rule and first-mortgage overlays. Existing homes and new construction eligible.
Down-payment assistance
Jackson Housing Authority HCV Homeownership Program
First-time homebuyers · New construction · Income limits · single_family · manufactured_home
The Jackson marketThe Jackson housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Jackson
- 66.1% single-familysingle-family
- 2.6% townhousetownhouse
- 8.5% 2–4 units2–4 units
- 21.7% 5+ unitscondo & apartment buildings (5+ units)
- 1.2% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Jackson’s homes were built
pre-19401970s2020+
72.8%
of Jackson 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.
$91,400
County area median income, 4 people (HUD)HUD area median income, Hinds County, 4-person household (2026)
$42,071
Jackson median household incomeMedian household income in Jackson (Census, 2024)
16 of the 79 programs here set their income limit as a share of Hinds County’s area median income, adjusted for household size. See the published limits for Hinds County
Free help nearbyFree help near Jackson
9 HUD-approved counseling agencies within 15 miles9 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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 Mississippi and nationwide
75 statewide & federal programs13 statewide programs, plus federal options
Jackson questions
Does Jackson have its own down payment program?
Yes, 4: City of Jackson Homebuyer Assistance Program, Habitat for Humanity Mississippi Capital Area Homeownership Program, Homebuyer Assistance Program and Jackson Housing Authority HCV Homeownership Program. Each is for homes inside Jackson.
Can I use assistance on a condo in Jackson?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Hinds County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Hinds 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 Jackson?
HUD-approved housing counseling agencies teach homebuyer classes, and 9 agencies are within 15 miles of Jackson. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
39201 · 39202 · 39203 · 39204 · 39205 · 39206 · 39207 · 39209 · 39210 · 39211 · 39212 · 39213 · 39215 · 39216 · 39217 · 39225 · 39235 · 39236 · 39250 · 39269 · 39271 · 39282 · 39283 · 39284 · 39286 · 39289 · 39296 · 39298
Nearby in Hinds
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.