Salish & Kootenai Housing Authority Flathead Finance Down Payment & Closing Cost Assistance
Shared-appreciation loan · Income limits
Down payment assistance · Lake County
Buying a home in Polson, MT
1 county program and 11 statewide.Polson has no program of its own, 1 across Lake 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 Polson
No program of Polson’s own yet
No program run for Polson alone is listed. A home in Polson can use Lake County’s programs below, plus the Montana statewide and federal ones.
The closest city that runs its own program is Great Falls, about 134 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in LakeAnywhere in Lake County
1 county program1 county program a Polson homebuyer can use
The Polson marketThe Polson housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Polson
- 59.7% single-familysingle-family
- 4.6% townhousetownhouse
- 15.5% 2–4 units2–4 units
- 15.7% 5+ unitscondo & apartment buildings (5+ units)
- 4.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Polson’s homes were built
pre-19401970s2020+
46%
of Polson 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)
$53,418
Polson median household incomeMedian household income in Polson (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 Polson
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Polson’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.
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Across Montana and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Polson questions
Does Polson have its own down payment program?
No program run for Polson alone is listed. A home in Polson can use the 1 program that cover Lake County and the 11 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Polson?
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 Polson?
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
59860
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.