Cape Fear Community Land Trust Affordable Homeownership Program
Down-payment assistance · Income limits
Down payment assistance · New Hanover County
Buying a home in Carolina Beach, NC
1 county program and 6 statewide.Carolina Beach has no program of its own, 1 across New Hanover County, 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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What’s local to Carolina Beach
No program of Carolina Beach’s own yet
No program run for Carolina Beach alone is listed. A home in Carolina Beach can use New Hanover County’s programs below, plus the North Carolina statewide and federal ones.
The closest city that runs its own program is Wilmington, about 13 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in New HanoverAnywhere in New Hanover County
1 county program1 county program a Carolina Beach homebuyer can use
3 more programs are for homes in Wilmington. See them 3 programs in neighboring cities — for homes inside those cities, not Carolina Beach
- Wilmington — City of Wilmington HOP 2gether Program
- Wilmington — Home Ownership Pool (HOP) - City of Wilmington
- Wilmington — Home Ownership Pool (HOP)
The Carolina Beach marketThe Carolina Beach housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Carolina Beach
- 41.7% single-familysingle-family
- 12.5% townhousetownhouse
- 12.1% 2–4 units2–4 units
- 31.8% 5+ unitscondo & apartment buildings (5+ units)
- 1.9% mobile & othermobile home & other
About condos. Carolina Beach’s one local program does not list condos as eligible. Cape Fear Community Land Trust Affordable Homeownership Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Carolina Beach’s homes were built
pre-19401970s2020+
20.8%
of Carolina Beach 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.
$109,200
County area median income, 4 people (HUD)HUD area median income, New Hanover County, 4-person household (2026)
$94,398
Carolina Beach median household incomeMedian household income in Carolina Beach (Census, 2024)
13 of the 69 programs here set their income limit as a share of New Hanover County’s area median income, adjusted for household size. See the published limits for New Hanover County
Free help nearbyFree help near Carolina Beach
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Carolina Beach’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Cape Fear Community Land Trust Affordable 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 North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Carolina Beach questions
Does Carolina Beach have its own down payment program?
No program run for Carolina Beach alone is listed. A home in Carolina Beach can use the 1 program that cover New Hanover County and the 6 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Carolina Beach?
Carolina Beach’s one local program does not list condos as eligible. Cape Fear Community Land Trust Affordable 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 New Hanover County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for New Hanover 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 Carolina Beach?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Carolina Beach. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
28428
Nearby in New Hanover
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.