Greater Albuquerque Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limit 80% of AMI
Single-family detached (newly built Habitat home)
See details Jul 2026
Down payment assistance · New Mexico
Buying a home in Bernalillo County, NM
1 county-wide program, 1 city with their own, plus 9 statewide and 62 nationwide.Bernalillo has 1 program that covers the whole county and 1 city with a program of their own. On top of those, 9 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 BernalilloAnywhere in Bernalillo County
1 program for every Bernalillo address1 program that covers every Bernalillo address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Albuquerque, South Valley or North Valley can use it. It is for first-time homebuyers and ask for a homebuyer class.
AMI is HUD’s area median income for Bernalillo, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Bernalillo city with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
The Bernalillo marketThe Bernalillo housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Bernalillo
- 63.9% single-familysingle-family
- 5.6% townhousetownhouse
- 6.8% 2–4 units2–4 units
- 18.3% 5+ unitscondo & apartment buildings (5+ units)
- 5.4% mobile & othermobile home & other
Condos count. 0 of the 1 county-wide program and all 2 city programs list condos as eligible. Greater Albuquerque Habitat for Humanity Homeownership Program lists single-family detached (newly built habitat home).
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Bernalillo’s homes were built
pre-19401970s2020+
46.9%
of Bernalillo 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.
$100,400
HUD area median income, 4 people (FY2026)HUD area median income, Bernalillo County, 4-person household (FY2026)
$69,473
Median household income (ACS 2024 5-year)Median household income in Bernalillo (Census ACS 2024 5-year)
64.5%
of occupied homes are owner-occupied (New Mexico: 70%)
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 74 programs here set their income limit as a share of Bernalillo County’s area median income, adjusted for household size. See the published limits for Bernalillo County
Free help in BernalilloFree help in Bernalillo
4 HUD-approved counseling agencies with an office in the county4 HUD-approved housing counseling agencies with an office in Bernalillo County
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Bernalillo County.
10 cities and placesA to Z
All cities in Bernalillo CountyAll 10 cities and places in Bernalillo County
has a program of its own
Bernalillo questions
Can I use a county program anywhere in Bernalillo?
The 1 county-wide program cover homes anywhere in the county. City programs, like Albuquerque’s, 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 Bernalillo 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 Bernalillo programs accept condos?
0 of the 1 county-wide program and all 2 city programs list condos as eligible. Greater Albuquerque Habitat for Humanity Homeownership Program lists single-family detached (newly built habitat home). The agency confirms it for the home you choose.
Where can I take a homebuyer class in Bernalillo?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies have an office in Bernalillo 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 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.