Forgivable loan
NYS AHC Ulster County First-Time Homebuyer Grant
First-time homebuyers · Income limits · Single Family
Down payment assistance · Ulster County
Buying a home in Kingston, NY
2 Kingston programs and 3 statewide.Kingston has 2 programs 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.
Find my programs Free · No credit pull · 90 seconds
Only for Kingston addresses
Kingston’s own programs
Forgivable loan
City of Kingston First-Time Homebuyer Grant
First-time homebuyers · Income limits · single_family · condo · townhome
The Kingston marketThe Kingston housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Kingston
- 43.2% single-familysingle-family
- 2.9% townhousetownhouse
- 30.5% 2–4 units2–4 units
- 23.5% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. 1 of Kingston’s 2 local and county programs accept condos. 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 Kingston’s homes were built
pre-19401970s2020+
89.8%
of Kingston 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
County area median income, 4 people (HUD)HUD area median income, Ulster County, 4-person household (2026)
$68,186
Kingston median household incomeMedian household income in Kingston (Census, 2024)
10 of the 67 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 nearbyFree help near Kingston
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across New York and nationwide
65 statewide & federal programs3 statewide programs, plus federal options
Kingston questions
Does Kingston have its own down payment program?
Yes, 2: NYS AHC Ulster County First-Time Homebuyer Grant and City of Kingston First-Time Homebuyer Grant. Each is for homes inside Kingston.
Can I use assistance on a condo in Kingston?
1 of Kingston’s 2 local and county programs accept condos. NYS AHC Ulster County First-Time Homebuyer Grant 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 Ulster County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Ulster 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 Kingston?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Kingston. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
12401 · 12402
Nearby in Ulster
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.