Brunswick County Habitat for Humanity Homeownership Program (SHLP)
First mortgage · Income limits
Down payment assistance · Brunswick County
Buying a home in Oak Island, NC
1 county program and 6 statewide.Oak Island has no program of its own, 1 across Brunswick 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 Oak Island
No program of Oak Island’s own yet
No program run for Oak Island alone is listed. A home in Oak Island can use Brunswick County’s programs below, plus the North Carolina statewide and federal ones.
The closest city that runs its own program is Wilmington, about 25 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in BrunswickAnywhere in Brunswick County
1 county program1 county program a Oak Island homebuyer can use
The Oak Island marketThe Oak Island housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Oak Island
- 86.7% single-familysingle-family
- 1.7% townhousetownhouse
- 1.5% 2–4 units2–4 units
- 3.4% 5+ unitscondo & apartment buildings (5+ units)
- 6.7% mobile & othermobile home & other
About condos. Oak Island’s one local program does not list condos as eligible. Brunswick County Habitat for Humanity Homeownership Program (SHLP) lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Oak Island’s homes were built
pre-19401970s2020+
18.4%
of Oak Island 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.
$99,200
County area median income, 4 people (HUD)HUD area median income, Brunswick County, 4-person household (2026)
$85,872
Oak Island median household incomeMedian household income in Oak Island (Census, 2024)
13 of the 69 programs here set their income limit as a share of Brunswick County’s area median income, adjusted for household size. See the published limits for Brunswick County
Free help nearbyFree help near Oak Island
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Oak Island’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Brunswick County Habitat for Humanity Homeownership Program (SHLP) 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
Oak Island questions
Does Oak Island have its own down payment program?
No program run for Oak Island alone is listed. A home in Oak Island can use the 1 program that cover Brunswick County and the 6 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Oak Island?
Oak Island’s one local program does not list condos as eligible. Brunswick County 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 Brunswick County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Brunswick 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 Oak Island?
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
28465
Nearby in Brunswick
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.