Forgivable loan
City of Elmira First-Time Homebuyer Program
First-time homebuyers · Income limits · Single Family
Down payment assistance · Chemung County
Buying a home in Elmira, NY
1 Elmira program and 3 statewide.Elmira has 1 program of its own, and 3 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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Only for Elmira addresses
Elmira’s own program
The Elmira marketThe Elmira housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Elmira
- 50.3% single-familysingle-family
- 2.8% townhousetownhouse
- 30% 2–4 units2–4 units
- 15.8% 5+ unitscondo & apartment buildings (5+ units)
- 1.2% mobile & othermobile home & other
About condos. Elmira’s one local program does not list condos as eligible. City of Elmira First-Time Homebuyer Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Elmira’s homes were built
pre-19401970s2020+
92.2%
of Elmira 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.
$89,800
County area median income, 4 people (HUD)HUD area median income, Chemung County, 4-person household (2026)
$43,120
Elmira median household incomeMedian household income in Elmira (Census, 2024)
9 of the 66 programs here set their income limit as a share of Chemung County’s area median income, adjusted for household size. See the published limits for Chemung County
Free help nearbyFree help near Elmira
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Elmira’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.City of Elmira First-Time Homebuyer 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 York and nationwide
65 statewide & federal programs3 statewide programs, plus federal options
Elmira questions
Does Elmira have its own down payment program?
Yes, one: City of Elmira First-Time Homebuyer Program, a forgivable loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside Elmira.
Can I use assistance on a condo in Elmira?
Elmira’s one local program does not list condos as eligible. City of Elmira First-Time Homebuyer 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 Chemung County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Chemung 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 Elmira?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Elmira. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
14901 · 14902 · 14903 · 14904 · 14905 · 14925
Nearby in Chemung
Sources
Sources: agency sites (July–September 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–September 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.