Assistance grant
Home$tart Plus
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD per first-mortgage product overlays.
Down payment assistance · Yellowstone County
Buying a home in Billings, MT
4 Billings programs and 11 statewide.Billings has 4 programs of its own, and 11 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Billings addresses
Billings’s own programs
Assistance grant
Home$tart
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD per first-mortgage product overlays.
Deferred second loan
First Time Home Buyer Loan Program
First-time homebuyers · New construction · Income limits · Single-family detached residentially zoned homes within City of Billings city limits.
First mortgage
Habitat for Humanity Mid-Yellowstone Valley Homeownership Program
New construction · Income limits · Newly-constructed Habitat single-family homes (one-level, ADA-accessible, attached garage; up to 4 bedrooms)
The Billings marketThe Billings housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Billings
- 62.5% single-familysingle-family
- 6.8% townhousetownhouse
- 10.1% 2–4 units2–4 units
- 14.4% 5+ unitscondo & apartment buildings (5+ units)
- 6.1% mobile & othermobile home & other
Condos count. 2 of Billings’s 4 local and county programs accept condos. First Time Home Buyer Loan Program lists single-family detached residentially zoned homes within city of billings city limits.. Habitat for Humanity Mid-Yellowstone Valley Homeownership Program lists newly-constructed habitat single-family homes (one-level, ada-accessible, attached garage; up to 4 bedrooms).
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Billings’s homes were built
pre-19401970s2020+
50.3%
of Billings 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.
$113,000
County area median income, 4 people (HUD)HUD area median income, Yellowstone County, 4-person household (2026)
$73,712
Billings median household incomeMedian household income in Billings (Census, 2024)
17 of the 77 programs here set their income limit as a share of Yellowstone County’s area median income, adjusted for household size. See the published limits for Yellowstone County
Free help nearbyFree help near Billings
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Montana and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Billings questions
Does Billings have its own down payment program?
Yes, 4: Home$tart Plus, Home$tart, First Time Home Buyer Loan Program and Habitat for Humanity Mid-Yellowstone Valley Homeownership Program. Each is for homes inside Billings.
Can I use assistance on a condo in Billings?
2 of Billings’s 4 local and county programs accept condos. First Time Home Buyer Loan Program lists single-family detached residentially zoned homes within city of billings city limits.. Habitat for Humanity Mid-Yellowstone Valley Homeownership Program lists newly-constructed habitat single-family homes (one-level, ada-accessible, attached garage; up to 4 bedrooms). 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 Yellowstone County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Yellowstone 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 Billings?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Billings. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
59101 · 59102 · 59103 · 59104 · 59105 · 59106 · 59107 · 59108 · 59111 · 59112 · 59114 · 59115 · 59116 · 59117
Sources
Sources: agency sites (June–September 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–September 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.