First mortgage
Habitat for Humanity of Flathead Valley Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Flathead County
Buying a home in Kalispell, MT
2 Kalispell programs and 11 statewide.Kalispell has 2 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 Kalispell addresses
Kalispell’s own programs
Shared-appreciation loan
Northwest Montana Community Land Trust Affordable Homeownership
New construction · Income limits · Single Family · Townhouse · Condo
The Kalispell marketThe Kalispell housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Kalispell
- 57.7% single-familysingle-family
- 13.5% townhousetownhouse
- 11.3% 2–4 units2–4 units
- 15.1% 5+ unitscondo & apartment buildings (5+ units)
- 2.4% mobile & othermobile home & other
Condos count. 1 of Kalispell’s 2 local and county programs accept condos. 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 Kalispell’s homes were built
pre-19401970s2020+
45.5%
of Kalispell 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
County area median income, 4 people (HUD)HUD area median income, Flathead County, 4-person household (2026)
$63,415
Kalispell median household incomeMedian household income in Kalispell (Census, 2024)
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 nearbyFree help near Kalispell
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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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Across Montana and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Kalispell questions
Does Kalispell have its own down payment program?
Yes, 2: Habitat for Humanity of Flathead Valley Homeownership Program and Northwest Montana Community Land Trust Affordable Homeownership. Each is for homes inside Kalispell.
Can I use assistance on a condo in Kalispell?
1 of Kalispell’s 2 local and county programs accept condos. Habitat for Humanity of Flathead Valley 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 Flathead County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Flathead 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 Kalispell?
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
59901 · 59902 · 59903 · 59904
Nearby in Flathead
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.