Wake County Affordable Homeownership Program
Forgivable loan · Forgiven over 20 yrs · Income limits
Down payment assistance · Wake County
Buying a home in Garner, NC
3 county programs and 6 statewide.Garner has no program of its own, 3 across Wake 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 Garner
No program of Garner’s own yet
No program run for Garner alone is listed. A home in Garner can use Wake County’s programs below, plus the North Carolina statewide and federal ones.
The closest city that runs its own program is Raleigh, about 4 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in WakeAnywhere in Wake County
3 county programs3 county programs a Garner homebuyer can use
The Garner marketThe Garner housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Garner
- 64.9% single-familysingle-family
- 5.3% townhousetownhouse
- 3.6% 2–4 units2–4 units
- 24.6% 5+ unitscondo & apartment buildings (5+ units)
- 1.6% mobile & othermobile home & other
Condos count. 2 of Garner’s 3 local and county programs accept condos. Habitat for Humanity Greater Raleigh Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Garner’s homes were built
pre-19401970s2020+
28.5%
of Garner 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.
$132,300
County area median income, 4 people (HUD)HUD area median income, Wake County, 4-person household (2026)
$78,756
Garner median household incomeMedian household income in Garner (Census, 2024)
15 of the 71 programs here set their income limit as a share of Wake County’s area median income, adjusted for household size. See the published limits for Wake County
Free help nearbyFree help near Garner
9 HUD-approved counseling agencies within 15 miles9 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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.
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Across North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Garner questions
Does Garner have its own down payment program?
No program run for Garner alone is listed. A home in Garner can use the 3 programs that cover Wake County and the 6 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Garner?
2 of Garner’s 3 local and county programs accept condos. Habitat for Humanity Greater Raleigh 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 Wake County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Wake 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 Garner?
HUD-approved housing counseling agencies teach homebuyer classes, and 9 agencies are within 15 miles of Garner. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
27529
Nearby in Wake
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.