First mortgage
Henderson County & Thermal Belt Habitat for Humanity Homeownership Program (SHLP)
Income limits · single_family
Down payment assistance · Henderson County
Buying a home in Hendersonville, NC
2 Hendersonville programs and 6 statewide.Hendersonville 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 Hendersonville addresses
Hendersonville’s own programs
Deferred second loan
Housing Assistance Corporation Down Payment Assistance Program (CPLP)
Income limits · single_family · townhouse · condo
The Hendersonville marketThe Hendersonville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Hendersonville
- 40.6% single-familysingle-family
- 9.3% townhousetownhouse
- 16.4% 2–4 units2–4 units
- 30% 5+ unitscondo & apartment buildings (5+ units)
- 3.7% mobile & othermobile home & other
Condos count. 1 of Hendersonville’s 2 local and county programs accept condos. Henderson County & Thermal Belt Habitat for Humanity Homeownership Program (SHLP) lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Hendersonville’s homes were built
pre-19401970s2020+
42.7%
of Hendersonville 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.
$103,200
County area median income, 4 people (HUD)HUD area median income, Henderson County, 4-person household (2026)
$53,449
Hendersonville median household incomeMedian household income in Hendersonville (Census, 2024)
14 of the 70 programs here set their income limit as a share of Henderson County’s area median income, adjusted for household size. See the published limits for Henderson County
Free help nearbyFree help near Hendersonville
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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
Hendersonville questions
Does Hendersonville have its own down payment program?
Yes, 2: Henderson County & Thermal Belt Habitat for Humanity Homeownership Program (SHLP) and Housing Assistance Corporation Down Payment Assistance Program (CPLP). Each is for homes inside Hendersonville.
Can I use assistance on a condo in Hendersonville?
1 of Hendersonville’s 2 local and county programs accept condos. Henderson County & Thermal Belt 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 Henderson County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Henderson 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 Hendersonville?
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
28739 · 28791 · 28792 · 28793
Nearby in Henderson
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.