First mortgage
Stanly County Habitat for Humanity Homeownership Program (SHLP)
Income limits · single_family
Down payment assistance · Stanly County
Buying a home in Albemarle, NC
1 Albemarle program and 6 statewide.Albemarle has 1 program of its own, and 6 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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Albemarle’s own program
The Albemarle marketThe Albemarle housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Albemarle
- 74.5% single-familysingle-family
- 1.2% townhousetownhouse
- 12.4% 2–4 units2–4 units
- 8.4% 5+ unitscondo & apartment buildings (5+ units)
- 3.4% mobile & othermobile home & other
About condos. Albemarle’s one local program does not list condos as eligible. Stanly County Habitat for Humanity Homeownership Program (SHLP) lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Albemarle’s homes were built
pre-19401970s2020+
66.4%
of Albemarle 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.
$80,400
County area median income, 4 people (HUD)HUD area median income, Stanly County, 4-person household (2026)
$46,881
Albemarle median household incomeMedian household income in Albemarle (Census, 2024)
13 of the 69 programs here set their income limit as a share of Stanly County’s area median income, adjusted for household size. See the published limits for Stanly County
Free help nearbyFree help near Albemarle
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Albemarle’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Stanly County Habitat for Humanity Homeownership Program (SHLP) 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 North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Albemarle questions
Does Albemarle have its own down payment program?
Yes, one: Stanly County Habitat for Humanity Homeownership Program (SHLP), a first mortgage (income limits). It is for homes inside Albemarle.
Can I use assistance on a condo in Albemarle?
Albemarle’s one local program does not list condos as eligible. Stanly County Habitat for Humanity Homeownership Program (SHLP) 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 Stanly County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Stanly 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 Albemarle?
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
28001 · 28002
Nearby in Stanly
Sources
Sources: agency sites (July–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 (July–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.