Wood County CHIP Homebuyer Assistance
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Wood County
Buying a home in North Baltimore, OH
1 county program and 7 statewide.North Baltimore has no program of its own, 1 across Wood County, and 7 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 North Baltimore
No program of North Baltimore’s own yet
No program run for North Baltimore alone is listed. A home in North Baltimore can use Wood County’s programs below, plus the Ohio statewide and federal ones.
The closest city that runs its own program is Toledo, about 34 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in WoodAnywhere in Wood County
1 county program1 county program a North Baltimore homebuyer can use
The North Baltimore marketThe North Baltimore housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in North Baltimore
- 73.7% single-familysingle-family
- 1.8% townhousetownhouse
- 7% 2–4 units2–4 units
- 5.7% 5+ unitscondo & apartment buildings (5+ units)
- 11.8% mobile & othermobile home & other
Condos count. North Baltimore’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When North Baltimore’s homes were built
pre-19401970s2020+
76.1%
of North Baltimore 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.
$95,400
County area median income, 4 people (HUD)HUD area median income, Wood County, 4-person household (2026)
$60,396
North Baltimore median household incomeMedian household income in North Baltimore (Census, 2024)
11 of the 70 programs here set their income limit as a share of Wood County’s area median income, adjusted for household size. See the published limits for Wood County
Free help nearbyFree help near North Baltimore
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
North Baltimore’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Wood County CHIP Homebuyer Assistance 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 Ohio and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
North Baltimore questions
Does North Baltimore have its own down payment program?
No program run for North Baltimore alone is listed. A home in North Baltimore can use the 1 program that cover Wood County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in North Baltimore?
North Baltimore’s one local program accepts condos. 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 Wood County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Wood 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 North Baltimore?
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
45872
Nearby in Wood
Sources
Sources: agency sites (June–August 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 (June–August 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.