First mortgage
Helena Area Habitat for Humanity Mutual Self-Help Homeownership
New construction · Income limits · Single Family
Down payment assistance · Lewis and Clark County
Buying a home in Helena, MT
1 Helena program and 11 statewide.Helena has 1 program 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 Helena addresses
Helena’s own program
The Helena marketThe Helena housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Helena
- 51.5% single-familysingle-family
- 5.8% townhousetownhouse
- 21.5% 2–4 units2–4 units
- 17.6% 5+ unitscondo & apartment buildings (5+ units)
- 3.5% mobile & othermobile home & other
About condos. Helena’s one local program does not list condos as eligible. Helena Area Habitat for Humanity Mutual Self-Help Homeownership lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Helena’s homes were built
pre-19401970s2020+
58.3%
of Helena 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.
$122,400
County area median income, 4 people (HUD)HUD area median income, Lewis and Clark County, 4-person household (2026)
$71,036
Helena median household incomeMedian household income in Helena (Census, 2024)
14 of the 74 programs here set their income limit as a share of Lewis and Clark County’s area median income, adjusted for household size. See the published limits for Lewis and Clark County
Free help nearbyFree help near Helena
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Helena’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Helena Area Habitat for Humanity Mutual Self-Help Homeownership 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 Montana and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Helena questions
Does Helena have its own down payment program?
Yes, one: Helena Area Habitat for Humanity Mutual Self-Help Homeownership, a first mortgage (new construction, income limits). It is for homes inside Helena.
Can I use assistance on a condo in Helena?
Helena’s one local program does not list condos as eligible. Helena Area Habitat for Humanity Mutual Self-Help Homeownership 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 Lewis and Clark County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Lewis and Clark 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 Helena?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Helena. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
59601 · 59602 · 59604 · 59620 · 59623 · 59624 · 59625 · 59626
Nearby in Lewis and Clark
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.