Shared-appreciation loan
Salish & Kootenai Housing Authority Flathead Finance Down Payment & Closing Cost Assistance
First-time homebuyers · Income limits
Down payment assistance · Lake County
Buying a home in Pablo, MT
1 Pablo program and 11 statewide.Pablo 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.
Find my programs Free · No credit pull · 90 seconds
Only for Pablo addresses
Pablo’s own program
The Pablo marketThe Pablo housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Pablo
- 36.3% single-familysingle-family
- 5.8% townhousetownhouse
- 20.7% 2–4 units2–4 units
- 3.7% 5+ unitscondo & apartment buildings (5+ units)
- 33.6% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Pablo’s homes were built
pre-19401970s2020+
37.1%
of Pablo 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.
$83,800
County area median income, 4 people (HUD)HUD area median income, Lake County, 4-person household (2026)
$36,400
Pablo median household incomeMedian household income in Pablo (Census, 2024)
13 of the 74 programs here set their income limit as a share of Lake County’s area median income, adjusted for household size. See the published limits for Lake County
Free help nearbyFree help near Pablo
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Pablo’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Salish & Kootenai Housing Authority Flathead Finance Down Payment & Closing Cost Assistance 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Montana and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Pablo questions
Does Pablo have its own down payment program?
Yes, one: Salish & Kootenai Housing Authority Flathead Finance Down Payment & Closing Cost Assistance, a shared-appreciation loan for first-time homebuyers (income limits). It is for homes inside Pablo.
Can I use assistance on a condo in Pablo?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Lake County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Lake 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 Pablo?
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
59855
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.