Morris Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Morris County
Buying a home in Wharton, NJ
1 county program and 19 statewide.Wharton has no program of its own, 1 across Morris County, and 19 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 Wharton
No program of Wharton’s own yet
No program run for Wharton alone is listed. A home in Wharton can use Morris County’s programs below, plus the New Jersey statewide and federal ones.
The closest city that runs its own program is Bedminster, about 15 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MorrisAnywhere in Morris County
1 county program1 county program a Wharton homebuyer can use
The Wharton marketThe Wharton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Wharton
- 51.5% single-familysingle-family
- 15.9% townhousetownhouse
- 6% 2–4 units2–4 units
- 26.6% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Wharton’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Wharton’s homes were built
pre-19401970s2020+
72.1%
of Wharton 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.
$138,400
County area median income, 4 people (HUD)HUD area median income, Morris County, 4-person household (2026)
$85,767
Wharton median household incomeMedian household income in Wharton (Census, 2024)
20 of the 82 programs here set their income limit as a share of Morris County’s area median income, adjusted for household size. See the published limits for Morris County
Free help nearbyFree help near Wharton
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Wharton’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Morris 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 Jersey and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Wharton questions
Does Wharton have its own down payment program?
No program run for Wharton alone is listed. A home in Wharton can use the 1 program that cover Morris County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Wharton?
Wharton’s one local program accepts condos. 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 Morris County?
Each program sets its own. 20 of the programs here set theirs as a share of HUD’s area median income for Morris 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 Wharton?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Wharton. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
07885
Nearby in Morris
Sources
Sources: agency sites (July–August 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–August 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.