Monmouth County First-Time Home Buyers Program
Forgivable loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single-family detached, Townhome, Condominium, 2-4 unit owner-occupied
See details Jul 2026
Down payment assistance · New Jersey
Buying a home in Monmouth County, NJ
2 county-wide programs, plus 14 statewide and 62 nationwide.Monmouth has 2 programs that cover the whole county. On top of those, 14 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in MonmouthAnywhere in Monmouth County
2 programs for every Monmouth address2 programs that cover every Monmouth address
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Marlboro, Long Branch or Tinton Falls can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
Monmouth County Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limit 80% of AMI
Single Family, 2-4 Unit
See details Jul 2026
AMI is HUD’s area median income for Monmouth, adjusted for household size. Each program publishes its own dollar limits.
The Monmouth marketThe Monmouth housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Monmouth
- 65.7% single-familysingle-family
- 9.7% townhousetownhouse
- 6.5% 2–4 units2–4 units
- 16.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.1% mobile & othermobile home & other
Condos count. 1 of the 2 county-wide programs list condos as eligible. Monmouth County Habitat for Humanity Homeownership Program lists single family and 2-4 unit.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Monmouth’s homes were built
pre-19401970s2020+
57%
of Monmouth 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.
$140,600
HUD area median income, 4 people (FY2026)HUD area median income, Monmouth County, 4-person household (FY2026)
$124,845
Median household income (ACS 2024 5-year)Median household income in Monmouth (Census ACS 2024 5-year)
75.6%
of occupied homes are owner-occupied (New Jersey: 63.8%)
The two income figures measure different things. HUD’s area median income is the one programs use. 20 of the 78 programs here set their income limit as a share of Monmouth County’s area median income, adjusted for household size. See the published limits for Monmouth County
Free help in MonmouthFree help in Monmouth
3 HUD-approved counseling agencies with an office in the county3 HUD-approved housing counseling agencies with an office in Monmouth County
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Monmouth County.
55 cities and placesA to Z
All cities in Monmouth CountyAll 55 cities and places in Monmouth County
- Allentown
- Asbury Park
- Atlantic Highlands
- Avon-by-the-Sea
- Belford
- Belmar
- Bradley Beach
- Brielle
- Cliffwood Beach
- East Freehold
- Eatontown
- Englishtown
- Fair Haven
- Fairview
- Farmingdale
- Freehold
- Highlands
- Keansburg
- Keyport
- Lake Como
- Leonardo
- Lincroft
- Little Silver
- Long Branch
- Manasquan
- Marlboro
- Matawan
- Monmouth Beach
- Morganville
- Navesink
- Neptune City
- North Middletown
- Oakhurst
- Ocean Grove
- Oceanport
- Port Monmouth
- Ramtown
- Red Bank
- Robertsville
- Rumson
- Sea Bright
- Sea Girt
- Shark River Hills
- Shrewsbury
- South Belmar
- Spring Lake
- Spring Lake Heights
- Strathmore
- Tinton Falls
- Union Beach
- Wanamassa
- West Belmar
- West Freehold
- West Long Branch
- Yorketown
Monmouth questions
Can I use a county program anywhere in Monmouth?
The 2 county-wide programs cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Monmouth County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Monmouth programs accept condos?
1 of the 2 county-wide programs list condos as eligible. Monmouth County Habitat for Humanity Homeownership Program lists single family and 2-4 unit. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Monmouth?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies have an office in Monmouth County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.