Forgivable loan
City of Carbondale Homebuyer Program
First-time homebuyers · Income limits · Single Family
Down payment assistance · Lackawanna County
Buying a home in Carbondale, PA
1 Carbondale program, 1 county program and 5 statewide.Carbondale has 1 program of its own, 1 more across Lackawanna County, and 5 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 Carbondale addresses
Carbondale’s own program
Anywhere in LackawannaAnywhere in Lackawanna County
1 county program1 county program a Carbondale homebuyer can also use
The Carbondale marketThe Carbondale housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Carbondale
- 53% single-familysingle-family
- 6% townhousetownhouse
- 27.4% 2–4 units2–4 units
- 13.6% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. 1 of Carbondale’s 2 local and county programs accept condos. City of Carbondale Homebuyer Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Carbondale’s homes were built
pre-19401970s2020+
80.2%
of Carbondale 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.
$92,400
County area median income, 4 people (HUD)HUD area median income, Lackawanna County, 4-person household (2026)
$47,716
Carbondale median household incomeMedian household income in Carbondale (Census, 2024)
10 of the 69 programs here set their income limit as a share of Lackawanna County’s area median income, adjusted for household size. See the published limits for Lackawanna County
Free help nearbyFree help near Carbondale
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 Pennsylvania and nationwide
67 statewide & federal programs5 statewide programs, plus federal options
Carbondale questions
Does Carbondale have its own down payment program?
Yes, one: City of Carbondale Homebuyer Program, a forgivable loan for first-time homebuyers (income limits). It is for homes inside Carbondale.
Can I use assistance on a condo in Carbondale?
1 of Carbondale’s 2 local and county programs accept condos. City of Carbondale Homebuyer 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 Lackawanna County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Lackawanna 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 Carbondale?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Carbondale. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
18407
Nearby in Lackawanna
Sources
Sources: agency sites (July–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 (July–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.