Habitat for Humanity-Lima Area - Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Allen County
Buying a home in Spencerville, OH
1 county program and 7 statewide.Spencerville has no program of its own, 1 across Allen 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 Spencerville
No program of Spencerville’s own yet
No program run for Spencerville alone is listed. A home in Spencerville can use Allen County’s programs below, plus the Ohio statewide and federal ones.
The closest city that runs its own program is Lima, about 13 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in AllenAnywhere in Allen County
1 county program1 county program a Spencerville homebuyer can use
1 more program is for homes in Lima. See them 1 program in neighboring cities — for homes inside those cities, not Spencerville
- Lima — First Home Lima Down Payment Assistance Program
The Spencerville marketThe Spencerville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Spencerville
- 67.8% single-familysingle-family
- 0.4% townhousetownhouse
- 9.6% 2–4 units2–4 units
- 0.4% 5+ unitscondo & apartment buildings (5+ units)
- 21.8% mobile & othermobile home & other
About condos. Spencerville’s one local program does not list condos as eligible. Habitat for Humanity-Lima Area - Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Spencerville’s homes were built
pre-19401970s2020+
83.7%
of Spencerville 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.
$85,700
County area median income, 4 people (HUD)HUD area median income, Allen County, 4-person household (2026)
$54,883
Spencerville median household incomeMedian household income in Spencerville (Census, 2024)
10 of the 70 programs here set their income limit as a share of Allen County’s area median income, adjusted for household size. See the published limits for Allen County
Free help nearbyFree help near Spencerville
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Spencerville’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity-Lima Area - Homeownership 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 Ohio and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Spencerville questions
Does Spencerville have its own down payment program?
No program run for Spencerville alone is listed. A home in Spencerville can use the 1 program that cover Allen County and the 7 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Spencerville?
Spencerville’s one local program does not list condos as eligible. Habitat for Humanity-Lima Area - Homeownership 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 Allen County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Allen 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 Spencerville?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Spencerville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
45887
Nearby in Allen
Sources
Sources: agency sites (June–July 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–July 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.