Silent second
Monadnock Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Cheshire County
Buying a home in Keene, NH
1 Keene program and 14 statewide.Keene has 1 program of its own, and 14 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 Keene addresses
Keene’s own program
The Keene marketThe Keene housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Keene
- 46% single-familysingle-family
- 3.8% townhousetownhouse
- 20.3% 2–4 units2–4 units
- 25.6% 5+ unitscondo & apartment buildings (5+ units)
- 4.2% mobile & othermobile home & other
About condos. Keene’s one local program does not list condos as eligible. Monadnock Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Keene’s homes were built
pre-19401970s2020+
72.1%
of Keene 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.
$114,700
County area median income, 4 people (HUD)HUD area median income, Cheshire County, 4-person household (2026)
$78,445
Keene median household incomeMedian household income in Keene (Census, 2024)
13 of the 77 programs here set their income limit as a share of Cheshire County’s area median income, adjusted for household size. See the published limits for Cheshire County
Free help nearbyFree help near Keene
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Keene’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Monadnock 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.
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Across New Hampshire and nationwide
76 statewide & federal programs14 statewide programs, plus federal options
Keene questions
Does Keene have its own down payment program?
Yes, one: Monadnock Habitat for Humanity Homeownership Program, a silent second for first-time homebuyers (new construction, income limits). It is for homes inside Keene.
Can I use assistance on a condo in Keene?
Keene’s one local program does not list condos as eligible. Monadnock Habitat for Humanity Homeownership 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 Cheshire County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Cheshire 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 Keene?
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
03431 · 03435
Nearby in Cheshire
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.