Forgivable loan
Town of Chapel Hill Employee Housing Program - Homebuyer Assistance
Income limits · Single Family
Down payment assistance · Orange County
Buying a home in Chapel Hill, NC
2 Chapel Hill programs and 6 statewide.Chapel Hill has 2 programs 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.
Find my programs Free · No credit pull · 90 seconds
Only for Chapel Hill addresses
Chapel Hill’s own programs
Shared-appreciation loan
Community Home Trust - Affordable Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family · Townhouse · Condo
The Chapel Hill marketThe Chapel Hill housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Chapel Hill
- 41.2% single-familysingle-family
- 13.8% townhousetownhouse
- 8.3% 2–4 units2–4 units
- 36.1% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
Condos count. 1 of Chapel Hill’s 2 local and county programs accept condos. Town of Chapel Hill Employee Housing Program - Homebuyer Assistance lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Chapel Hill’s homes were built
pre-19401970s2020+
35.4%
of Chapel Hill 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.
$129,900
County area median income, 4 people (HUD)HUD area median income, Orange County, 4-person household (2026)
$85,989
Chapel Hill median household incomeMedian household income in Chapel Hill (Census, 2024)
14 of the 70 programs here set their income limit as a share of Orange County’s area median income, adjusted for household size. See the published limits for Orange County
Free help nearbyFree help near Chapel Hill
6 HUD-approved counseling agencies within 15 miles6 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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 North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Chapel Hill questions
Does Chapel Hill have its own down payment program?
Yes, 2: Town of Chapel Hill Employee Housing Program - Homebuyer Assistance and Community Home Trust - Affordable Homeownership Program. Each is for homes inside Chapel Hill.
Can I use assistance on a condo in Chapel Hill?
1 of Chapel Hill’s 2 local and county programs accept condos. Town of Chapel Hill Employee Housing Program - Homebuyer Assistance 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 Orange County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Orange 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 Chapel Hill?
HUD-approved housing counseling agencies teach homebuyer classes, and 6 agencies are within 15 miles of Chapel Hill. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
27514 · 27515 · 27516 · 27517 · 27599
Nearby in Orange
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.