Forgivable loan
At Home In Youngstown
Income limits · Single Family · Condo
Down payment assistance · Mahoning County
Buying a home in Youngstown, OH
3 Youngstown programs and 7 statewide.Youngstown has 3 programs of its own, 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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Only for Youngstown addresses
Youngstown’s own programs
Assistance grant
Catholic Charities Diocese of Youngstown Homeownership / Down Payment Assistance Program
Income limits · Single Family
First mortgage
Habitat for Humanity of Mahoning Valley Homeownership Program
New construction · Income limits · Single Family
The Youngstown marketThe Youngstown housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Youngstown
- 78.8% single-familysingle-family
- 1.7% townhousetownhouse
- 6.2% 2–4 units2–4 units
- 12.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
Condos count. 1 of Youngstown’s 3 local and county programs accept condos. Catholic Charities Diocese of Youngstown Homeownership / Down Payment Assistance Program lists single family. Habitat for Humanity of Mahoning Valley Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Youngstown’s homes were built
pre-19401970s2020+
90.4%
of Youngstown 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.
$81,900
County area median income, 4 people (HUD)HUD area median income, Mahoning County, 4-person household (2026)
$34,408
Youngstown median household incomeMedian household income in Youngstown (Census, 2024)
12 of the 72 programs here set their income limit as a share of Mahoning County’s area median income, adjusted for household size. See the published limits for Mahoning County
Free help nearbyFree help near Youngstown
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Youngstown questions
Does Youngstown have its own down payment program?
Yes, 3: At Home In Youngstown, Catholic Charities Diocese of Youngstown Homeownership / Down Payment Assistance Program and Habitat for Humanity of Mahoning Valley Homeownership Program. Each is for homes inside Youngstown.
Can I use assistance on a condo in Youngstown?
1 of Youngstown’s 3 local and county programs accept condos. Catholic Charities Diocese of Youngstown Homeownership / Down Payment Assistance Program lists single family. Habitat for Humanity of Mahoning Valley 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 Mahoning County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Mahoning 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 Youngstown?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Youngstown. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
44501 · 44502 · 44503 · 44504 · 44505 · 44506 · 44507 · 44509 · 44510 · 44511 · 44512 · 44513 · 44514 · 44515 · 44555 · 44598 · 44599
Nearby in Mahoning
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.