Down-payment assistance
Starkville Area Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · single_family
Down payment assistance · Oktibbeha County
Buying a home in Starkville, MS
1 Starkville program and 13 statewide.Starkville 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 Starkville addresses
Starkville’s own program
The Starkville marketThe Starkville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Starkville
- 42.7% single-familysingle-family
- 4.4% townhousetownhouse
- 19.4% 2–4 units2–4 units
- 30.4% 5+ unitscondo & apartment buildings (5+ units)
- 3.1% mobile & othermobile home & other
About condos. Starkville’s one local program does not list condos as eligible. Starkville Area Habitat for Humanity Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Starkville’s homes were built
pre-19401970s2020+
35.1%
of Starkville 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.
$84,700
County area median income, 4 people (HUD)HUD area median income, Oktibbeha County, 4-person household (2026)
$42,125
Starkville median household incomeMedian household income in Starkville (Census, 2024)
14 of the 76 programs here set their income limit as a share of Oktibbeha County’s area median income, adjusted for household size. See the published limits for Oktibbeha County
Free help nearbyFree help near Starkville
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Starkville’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Starkville Area Habitat for Humanity 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
Starkville questions
Does Starkville have its own down payment program?
Yes, one: Starkville Area Habitat for Humanity Homeownership Program, a down-payment assistance for first-time homebuyers (new construction, income limits). It is for homes inside Starkville.
Can I use assistance on a condo in Starkville?
Starkville’s one local program does not list condos as eligible. Starkville Area Habitat for Humanity Homeownership 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 Oktibbeha County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Oktibbeha 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 Starkville?
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
39759 · 39760
Nearby in Oktibbeha
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.