Chatham Habitat for Humanity Homeownership Program (SHLP)
First mortgage · Income limits
Down payment assistance · Chatham County
Buying a home in Siler City, NC
1 county program and 6 statewide.Siler City has no program of its own, 1 across Chatham 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 Siler City
No program of Siler City’s own yet
No program run for Siler City alone is listed. A home in Siler City can use Chatham County’s programs below, plus the North Carolina statewide and federal ones.
The closest city that runs its own program is Chapel Hill, about 26 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ChathamAnywhere in Chatham County
1 county program1 county program a Siler City homebuyer can use
The Siler City marketThe Siler City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Siler City
- 55.2% single-familysingle-family
- 1.6% townhousetownhouse
- 10% 2–4 units2–4 units
- 13% 5+ unitscondo & apartment buildings (5+ units)
- 20.2% mobile & othermobile home & other
About condos. Siler City’s one local program does not list condos as eligible. Chatham Habitat for Humanity Homeownership Program (SHLP) lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Siler City’s homes were built
pre-19401970s2020+
49.6%
of Siler City 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.
$129,900
County area median income, 4 people (HUD)HUD area median income, Chatham County, 4-person household (2026)
$46,566
Siler City median household incomeMedian household income in Siler City (Census, 2024)
13 of the 69 programs here set their income limit as a share of Chatham County’s area median income, adjusted for household size. See the published limits for Chatham County
Free help nearbyFree help near Siler City
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Siler City’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Chatham 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
Siler City questions
Does Siler City have its own down payment program?
No program run for Siler City alone is listed. A home in Siler City can use the 1 program that cover Chatham County and the 6 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Siler City?
Siler City’s one local program does not list condos as eligible. Chatham 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 Chatham County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Chatham 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 Siler City?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Siler City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
27344
Nearby in Chatham
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.