NYS AHC Ulster County First-Time Homebuyer Grant
Forgivable loan · Forgiven over 20 yrs · Income limits
Single Family
See details Sep 2026
Down payment assistance · New York
Buying a home in Ulster County, NY
1 county-wide program, 1 city with their own, plus 1 statewide and 62 nationwide.Ulster has 1 program that covers the whole county and 1 city with a program of their own. On top of those, 1 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 UlsterAnywhere in Ulster County
1 program for every Ulster address1 program that covers every Ulster address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Kingston, Wawarsing or New Paltz can use it. It is for first-time homebuyers and ask for a homebuyer class.
Only inside city limits
1 city with their own program1 Ulster 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 Ulster marketThe Ulster housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Ulster
- 67.8% single-familysingle-family
- 3.2% townhousetownhouse
- 13.2% 2–4 units2–4 units
- 10% 5+ unitscondo & apartment buildings (5+ units)
- 5.9% mobile & othermobile home & other
Condos count. 0 of the 1 county-wide program and the one city program list condos as eligible. NYS AHC Ulster County First-Time Homebuyer Grant lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ulster’s homes were built
pre-19401970s2020+
66.4%
of Ulster 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.
$117,300
HUD area median income, 4 people (FY2026)HUD area median income, Ulster County, 4-person household (FY2026)
$86,271
Median household income (ACS 2024 5-year)Median household income in Ulster (Census ACS 2024 5-year)
69.9%
of occupied homes are owner-occupied (New York: 54.3%)
The two income figures measure different things. HUD’s area median income is the one programs use. 9 of the 65 programs here set their income limit as a share of Ulster County’s area median income, adjusted for household size. See the published limits for Ulster County
Free help in UlsterFree help in Ulster
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Ulster 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.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Ulster County.
29 cities and placesA to Z
All cities in Ulster CountyAll 29 cities and places in Ulster County
has a program of its own
Ulster questions
Can I use a county program anywhere in Ulster?
The 1 county-wide program cover homes anywhere in the county. City programs, like Kingston’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 Ulster 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 Ulster programs accept condos?
0 of the 1 county-wide program and the one city program list condos as eligible. NYS AHC Ulster County First-Time Homebuyer Grant lists single family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Ulster?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Ulster 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–September 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.