Habitat for Humanity Gallatin Valley Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Gallatin County
Buying a home in Manhattan, MT
1 county program and 11 statewide.Manhattan has no program of its own, 1 across Gallatin County, 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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What’s local to Manhattan
No program of Manhattan’s own yet
No program run for Manhattan alone is listed. A home in Manhattan can use Gallatin County’s programs below, plus the Montana statewide and federal ones.
The closest city that runs its own program is Great Falls, about 114 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in GallatinAnywhere in Gallatin County
1 county program1 county program a Manhattan homebuyer can use
The Manhattan marketThe Manhattan housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Manhattan
- 78% single-familysingle-family
- 4.1% townhousetownhouse
- 6.8% 2–4 units2–4 units
- 9.1% 5+ unitscondo & apartment buildings (5+ units)
- 2% mobile & othermobile home & other
About condos. Manhattan’s one local program does not list condos as eligible. Habitat for Humanity Gallatin Valley Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Manhattan’s homes were built
pre-19401970s2020+
44.9%
of Manhattan 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.
$130,200
County area median income, 4 people (HUD)HUD area median income, Gallatin County, 4-person household (2026)
$87,865
Manhattan median household incomeMedian household income in Manhattan (Census, 2024)
14 of the 74 programs here set their income limit as a share of Gallatin County’s area median income, adjusted for household size. See the published limits for Gallatin County
Free help nearbyFree help near Manhattan
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Manhattan’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity Gallatin Valley 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 Montana and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Manhattan questions
Does Manhattan have its own down payment program?
No program run for Manhattan alone is listed. A home in Manhattan can use the 1 program that cover Gallatin County and the 11 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Manhattan?
Manhattan’s one local program does not list condos as eligible. Habitat for Humanity Gallatin 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 Gallatin County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Gallatin 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 Manhattan?
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
59741
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.