Forgivable loan
City of Stillwater Homebuyer Assistance Program
Income limits · Single Family · Condo · Townhouse
Down payment assistance · Payne County
Buying a home in Stillwater, OK
1 Stillwater program, 1 county program and 18 statewide.Stillwater has 1 program of its own, 1 more across Payne County, and 18 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 Stillwater addresses
Stillwater’s own program
Anywhere in PayneAnywhere in Payne County
1 county program1 county program a Stillwater homebuyer can also use
The Stillwater marketThe Stillwater housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Stillwater
- 51.3% single-familysingle-family
- 5.1% townhousetownhouse
- 8.1% 2–4 units2–4 units
- 31% 5+ unitscondo & apartment buildings (5+ units)
- 4.5% mobile & othermobile home & other
Condos count. 1 of Stillwater’s 2 local and county programs accept condos. Iowa Tribe of Oklahoma Bah-Kho-Je Housing Authority Down Payment & Closing Cost Assistance lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Stillwater’s homes were built
pre-19401970s2020+
44.2%
of Stillwater 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.
$98,800
County area median income, 4 people (HUD)HUD area median income, Payne County, 4-person household (2026)
$43,700
Stillwater median household incomeMedian household income in Stillwater (Census, 2024)
17 of the 82 programs here set their income limit as a share of Payne County’s area median income, adjusted for household size. See the published limits for Payne County
Free help nearbyFree help near Stillwater
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Stillwater’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.City of Stillwater Homebuyer Assistance 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 Oklahoma and nationwide
80 statewide & federal programs18 statewide programs, plus federal options
Stillwater questions
Does Stillwater have its own down payment program?
Yes, one: City of Stillwater Homebuyer Assistance Program, a forgivable loan (forgiven over 7 yrs, income limits). It is for homes inside Stillwater.
Can I use assistance on a condo in Stillwater?
1 of Stillwater’s 2 local and county programs accept condos. Iowa Tribe of Oklahoma Bah-Kho-Je Housing Authority Down Payment & Closing Cost Assistance 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 Payne County?
Each program sets its own. 17 of the programs here set theirs as a share of HUD’s area median income for Payne 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 Stillwater?
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
74074 · 74075 · 74076 · 74077 · 74078
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.