First mortgage
Watauga County Habitat for Humanity Homeownership Program (SHLP)
Income limits · single_family
Down payment assistance · Watauga County
Buying a home in Boone, NC
1 Boone program and 6 statewide.Boone 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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Only for Boone addresses
Boone’s own program
The Boone marketThe Boone housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Boone
- 25.1% single-familysingle-family
- 4% townhousetownhouse
- 12.1% 2–4 units2–4 units
- 56.6% 5+ unitscondo & apartment buildings (5+ units)
- 2.2% mobile & othermobile home & other
About condos. Boone’s one local program does not list condos as eligible. Watauga 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 Boone’s homes were built
pre-19401970s2020+
40.1%
of Boone 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.
$86,900
County area median income, 4 people (HUD)HUD area median income, Watauga County, 4-person household (2026)
$30,065
Boone median household incomeMedian household income in Boone (Census, 2024)
13 of the 69 programs here set their income limit as a share of Watauga County’s area median income, adjusted for household size. See the published limits for Watauga County
Free help nearbyFree help near Boone
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Boone’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Watauga 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
Boone questions
Does Boone have its own down payment program?
Yes, one: Watauga County Habitat for Humanity Homeownership Program (SHLP), a first mortgage (income limits). It is for homes inside Boone.
Can I use assistance on a condo in Boone?
Boone’s one local program does not list condos as eligible. Watauga 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 Watauga County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Watauga 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 Boone?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Boone. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
28607 · 28608
Nearby in Watauga
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.