NH Capital Region Habitat for Humanity Homeownership Program
First mortgage · Income limits
Down payment assistance · Merrimack County
Buying a home in Concord, NH
1 county program and 14 statewide.Concord has no program of its own, 1 across Merrimack County, and 14 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
What’s local to Concord
No program of Concord’s own yet
No program run for Concord alone is listed. A home in Concord can use Merrimack County’s programs below, plus the New Hampshire statewide and federal ones.
The closest city that runs its own program is Manchester, about 15 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MerrimackAnywhere in Merrimack County
1 county program1 county program a Concord homebuyer can use
The Concord marketThe Concord housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Concord
- 41.5% single-familysingle-family
- 5.4% townhousetownhouse
- 19.2% 2–4 units2–4 units
- 28.4% 5+ unitscondo & apartment buildings (5+ units)
- 5.4% mobile & othermobile home & other
About condos. Concord’s one local program does not list condos as eligible. NH Capital Region Habitat for Humanity Homeownership Program lists manufactured and single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Concord’s homes were built
pre-19401970s2020+
61.4%
of Concord 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.
$128,600
County area median income, 4 people (HUD)HUD area median income, Merrimack County, 4-person household (2026)
$84,902
Concord median household incomeMedian household income in Concord (Census, 2024)
14 of the 77 programs here set their income limit as a share of Merrimack County’s area median income, adjusted for household size. See the published limits for Merrimack County
Free help nearbyFree help near Concord
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Concord’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.NH Capital Region Habitat for Humanity Homeownership 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across New Hampshire and nationwide
76 statewide & federal programs14 statewide programs, plus federal options
Concord questions
Does Concord have its own down payment program?
No program run for Concord alone is listed. A home in Concord can use the 1 program that cover Merrimack County and the 14 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Concord?
Concord’s one local program does not list condos as eligible. NH Capital Region Habitat for Humanity Homeownership Program lists manufactured and 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 Merrimack County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Merrimack 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 Concord?
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
03301 · 03302 · 03303 · 03305
Nearby in Merrimack
Sources
Sources: agency sites (July 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 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.