Tres Rios Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · San Juan County
Buying a home in Shiprock, NM
1 county program and 9 statewide.Shiprock has no program of its own, 1 across San Juan County, and 9 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 Shiprock
No program of Shiprock’s own yet
No program run for Shiprock alone is listed. A home in Shiprock can use San Juan County’s programs below, plus the New Mexico statewide and federal ones.
The closest city that runs its own program is Rio Rancho, about 156 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in San JuanAnywhere in San Juan County
1 county program1 county program a Shiprock homebuyer can use
The Shiprock marketThe Shiprock housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Shiprock
- 52.9% single-familysingle-family
- 2.5% townhousetownhouse
- 11.9% 2–4 units2–4 units
- 1.8% 5+ unitscondo & apartment buildings (5+ units)
- 30.9% mobile & othermobile home & other
About condos. Shiprock’s one local program does not list condos as eligible. Tres Rios Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Shiprock’s homes were built
pre-19401970s2020+
28.4%
of Shiprock 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.
$80,300
County area median income, 4 people (HUD)HUD area median income, San Juan County, 4-person household (2026)
$35,900
Shiprock median household incomeMedian household income in Shiprock (Census, 2024)
12 of the 72 programs here set their income limit as a share of San Juan County’s area median income, adjusted for household size. See the published limits for San Juan County
Free help nearbyFree help near Shiprock
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Shiprock’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Tres Rios 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 Mexico and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Shiprock questions
Does Shiprock have its own down payment program?
No program run for Shiprock alone is listed. A home in Shiprock can use the 1 program that cover San Juan County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Shiprock?
Shiprock’s one local program does not list condos as eligible. Tres Rios 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 San Juan County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for San Juan 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 Shiprock?
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
87420
Nearby in San Juan
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.