Habitat for Humanity of Flathead Valley Homeownership Program
First mortgage · New construction · Income limit 80% of AMI
Single Family
See details Sep 2026
Down payment assistance · Montana
Buying a home in Flathead County, MT
2 county-wide programs, plus 11 statewide and 62 nationwide.Flathead has 2 programs that cover the whole county. On top of those, 11 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 FlatheadAnywhere in Flathead County
2 programs for every Flathead address2 programs that cover every Flathead address
All 2 ask for a homebuyer class.These are run for the whole county, so a home in Kalispell, Evergreen or Whitefish can use them. All 2 ask for a homebuyer class.
Northwest Montana Community Land Trust Affordable Homeownership
Shared-appreciation loan · New construction · Income limit 140% of AMI
Single Family, Townhouse, Condo
See details Sep 2026
AMI is HUD’s area median income for Flathead, adjusted for household size. Each program publishes its own dollar limits.
The Flathead marketThe Flathead housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Flathead
- 72.1% single-familysingle-family
- 5.4% townhousetownhouse
- 5.8% 2–4 units2–4 units
- 8.6% 5+ unitscondo & apartment buildings (5+ units)
- 8.1% mobile & othermobile home & other
Condos count. 1 of the 2 county-wide programs list condos as eligible. Habitat for Humanity of Flathead Valley Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Flathead’s homes were built
pre-19401970s2020+
36.2%
of Flathead 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.
$101,500
HUD area median income, 4 people (FY2026)HUD area median income, Flathead County, 4-person household (FY2026)
$73,925
Median household income (ACS 2024 5-year)Median household income in Flathead (Census ACS 2024 5-year)
72.4%
of occupied homes are owner-occupied (Montana: 69.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 15 of the 75 programs here set their income limit as a share of Flathead County’s area median income, adjusted for household size. See the published limits for Flathead County
Free help in FlatheadFree help in Flathead
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Flathead County
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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Flathead County.
Flathead questions
Can I use a county program anywhere in Flathead?
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 Flathead 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 Flathead programs accept condos?
1 of the 2 county-wide programs list condos as eligible. Habitat for Humanity of Flathead Valley Homeownership Program lists single family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Flathead?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Flathead County. 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–September 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.