First mortgage
Union-Anson County Habitat for Humanity Homeownership Program (SHLP)
Income limits · single_family
Down payment assistance · Union County
Buying a home in Monroe, NC
2 Monroe programs and 6 statewide.Monroe 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 Monroe addresses
Monroe’s own programs
Deferred second loan
Monroe-Union County CDC Down Payment Assistance Program
First-time homebuyers · New construction · Income limits · Single Family
The Monroe marketThe Monroe housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Monroe
- 71.3% single-familysingle-family
- 4.8% townhousetownhouse
- 9.1% 2–4 units2–4 units
- 12.3% 5+ unitscondo & apartment buildings (5+ units)
- 2.5% mobile & othermobile home & other
About condos. None of Monroe’s 2 local and county programs list condos as eligible. Union-Anson County Habitat for Humanity Homeownership Program (SHLP) lists single_family. Monroe-Union County CDC Down Payment Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Monroe’s homes were built
pre-19401970s2020+
39.5%
of Monroe 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.
$117,400
County area median income, 4 people (HUD)HUD area median income, Union County, 4-person household (2026)
$72,540
Monroe median household incomeMedian household income in Monroe (Census, 2024)
13 of the 70 programs here set their income limit as a share of Union County’s area median income, adjusted for household size. See the published limits for Union County
Free help nearbyFree help near Monroe
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency 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
Monroe questions
Does Monroe have its own down payment program?
Yes, 2: Union-Anson County Habitat for Humanity Homeownership Program (SHLP) and Monroe-Union County CDC Down Payment Assistance Program. Each is for homes inside Monroe.
Can I use assistance on a condo in Monroe?
None of Monroe’s 2 local and county programs list condos as eligible. Union-Anson County Habitat for Humanity Homeownership Program (SHLP) lists single_family. Monroe-Union County CDC Down Payment Assistance 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 Union County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Union 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 Monroe?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Monroe. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
28110 · 28111 · 28112
Nearby in Union
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.