Neighbors of Watertown First Time Homebuyer Program
Assistance grant · Income limits
Down payment assistance · Jefferson County
Buying a home in Philadelphia, NY
1 county program and 3 statewide.Philadelphia has no program of its own, 1 across Jefferson County, 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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What’s local to Philadelphia
No program of Philadelphia’s own yet
No program run for Philadelphia alone is listed. A home in Philadelphia can use Jefferson County’s programs below, plus the New York statewide and federal ones.
The closest city that runs its own program is Rome, about 66 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in JeffersonAnywhere in Jefferson County
1 county program1 county program a Philadelphia homebuyer can use
The Philadelphia marketThe Philadelphia housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Philadelphia
- 37.4% single-familysingle-family
- 4.9% townhousetownhouse
- 41.6% 2–4 units2–4 units
- 15.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.2% mobile & othermobile home & other
About condos. Philadelphia’s one local program does not list condos as eligible. Neighbors of Watertown First Time Homebuyer Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Philadelphia’s homes were built
pre-19401970s2020+
50.1%
of Philadelphia 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.
$86,600
County area median income, 4 people (HUD)HUD area median income, Jefferson County, 4-person household (2026)
$69,732
Philadelphia median household incomeMedian household income in Philadelphia (Census, 2024)
9 of the 66 programs here set their income limit as a share of Jefferson County’s area median income, adjusted for household size. See the published limits for Jefferson County
Free help nearbyFree help near Philadelphia
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Philadelphia’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Neighbors of Watertown 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
Philadelphia questions
Does Philadelphia have its own down payment program?
No program run for Philadelphia alone is listed. A home in Philadelphia can use the 1 program that cover Jefferson County and the 3 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Philadelphia?
Philadelphia’s one local program does not list condos as eligible. Neighbors of Watertown 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 Jefferson County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Jefferson 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 Philadelphia?
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
13673
Nearby in Jefferson
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.