Clark County / New Carlisle CHIP Homeownership Assistance Program
Forgivable loan · Income limits
Down payment assistance · Clark County
Buying a home in South Charleston, OH
2 county programs and 7 statewide.South Charleston has no program of its own, 2 across Clark 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.
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What’s local to South Charleston
No program of South Charleston’s own yet
No program run for South Charleston alone is listed. A home in South Charleston can use Clark County’s programs below, plus the Ohio statewide and federal ones.
The closest city that runs its own program is Dayton, about 30 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ClarkAnywhere in Clark County
2 county programs2 county programs a South Charleston homebuyer can use
The South Charleston marketThe South Charleston housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in South Charleston
- 58.2% single-familysingle-family
- 2.1% townhousetownhouse
- 7.9% 2–4 units2–4 units
- 27.9% 5+ unitscondo & apartment buildings (5+ units)
- 4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When South Charleston’s homes were built
pre-19401970s2020+
64.6%
of South Charleston 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.
$83,700
County area median income, 4 people (HUD)HUD area median income, Clark County, 4-person household (2026)
$49,896
South Charleston median household incomeMedian household income in South Charleston (Census, 2024)
12 of the 71 programs here set their income limit as a share of Clark County’s area median income, adjusted for household size. See the published limits for Clark County
Free help nearbyFree help near South Charleston
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.
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Across Ohio and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
South Charleston questions
Does South Charleston have its own down payment program?
No program run for South Charleston alone is listed. A home in South Charleston can use the 2 programs that cover Clark County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in South Charleston?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Clark County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Clark 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 South Charleston?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of South Charleston. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
45368
Nearby in Clark
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.