Deferred second loan
Salisbury Community Development Corporation Homeownership Down Payment Assistance Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Rowan County
Buying a home in Salisbury, NC
1 Salisbury program and 6 statewide.Salisbury has 1 program 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.
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Only for Salisbury addresses
Salisbury’s own program
The Salisbury marketThe Salisbury housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Salisbury
- 62.2% single-familysingle-family
- 2.8% townhousetownhouse
- 10.5% 2–4 units2–4 units
- 21.5% 5+ unitscondo & apartment buildings (5+ units)
- 3% mobile & othermobile home & other
About condos. Salisbury’s one local program does not list condos as eligible. Salisbury Community Development Corporation Homeownership Down Payment Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Salisbury’s homes were built
pre-19401970s2020+
55%
of Salisbury 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.
$79,000
County area median income, 4 people (HUD)HUD area median income, Rowan County, 4-person household (2026)
$53,716
Salisbury median household incomeMedian household income in Salisbury (Census, 2024)
13 of the 69 programs here set their income limit as a share of Rowan County’s area median income, adjusted for household size. See the published limits for Rowan County
Free help nearbyFree help near Salisbury
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Salisbury’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Salisbury Community Development Corporation Homeownership Down Payment Assistance Program 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
Salisbury questions
Does Salisbury have its own down payment program?
Yes, one: Salisbury Community Development Corporation Homeownership Down Payment Assistance Program, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Salisbury.
Can I use assistance on a condo in Salisbury?
Salisbury’s one local program does not list condos as eligible. Salisbury Community Development Corporation Homeownership 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 Rowan County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Rowan 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 Salisbury?
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
28144 · 28145 · 28146 · 28147
Nearby in Rowan
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.