Growing Homeowners Initiative (Luzerne County)
Forgivable loan · Forgiven over 5 yrs · Income limits
See details Jul 2026
Down payment assistance · Pennsylvania
Buying a home in Luzerne County, PA
3 county-wide programs, plus 5 statewide and 62 nationwide.Luzerne has 3 programs that cover the whole county. On top of those, 5 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in LuzerneAnywhere in Luzerne County
3 programs for every Luzerne address3 programs that cover every Luzerne address
These are run for the whole county, so a home in Wilkes-Barre, Back Mountain or Hazleton can use them.
The Growing Homeowners Initiative
Deferred second loan · Forgiven over 5 yrs · Income limit 80% of AMI
Single-family detached, Townhouse, Condominium
See details Jul 2026
Wyoming Valley Habitat for Humanity Homeownership Program
Down-payment assistance · New construction · Income limit 80% of AMI
Single Family
See details Jul 2026
AMI is HUD’s area median income for Luzerne, adjusted for household size. Each program publishes its own dollar limits.
The Luzerne marketThe Luzerne housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Luzerne
- 64.1% single-familysingle-family
- 13.1% townhousetownhouse
- 11.6% 2–4 units2–4 units
- 8% 5+ unitscondo & apartment buildings (5+ units)
- 3.2% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Luzerne’s homes were built
pre-19401970s2020+
74.4%
of Luzerne 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
HUD area median income, 4 people (FY2026)HUD area median income, Luzerne County, 4-person household (FY2026)
$63,691
Median household income (ACS 2024 5-year)Median household income in Luzerne (Census ACS 2024 5-year)
67.8%
of occupied homes are owner-occupied (Pennsylvania: 69.3%)
The two income figures measure different things. HUD’s area median income is the one programs use. 11 of the 70 programs here set their income limit as a share of Luzerne County’s area median income, adjusted for household size. See the published limits for Luzerne County
Free help in LuzerneFree help in Luzerne
3 HUD-approved counseling agencies with an office in the county3 HUD-approved housing counseling agencies with an office in Luzerne County
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.2 of the 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.
Find my counselor
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Luzerne County.
43 cities and placesA to Z
All cities in Luzerne CountyAll 43 cities and places in Luzerne County
- Ashley
- Avoca
- Back Mountain
- Beech Mountain Lakes
- Browntown
- Conyngham
- Dallas
- Dupont
- Duryea
- East Berwick
- Edwardsville
- Exeter
- Forty Fort
- Freeland
- Georgetown
- Glen Lyon
- Harleigh
- Harveys Lake
- Hazleton
- Hilldale
- Hudson
- Hughestown
- Inkerman
- Kingston
- Laflin
- Larksville
- Luzerne
- Mountain Top
- Nanticoke
- Nescopeck
- Oakdale
- Pittston
- Plains
- Plymouth
- Shavertown
- Swoyersville
- Trucksville
- West Hazleton
- West Pittston
- West Wyoming
- White Haven
- Wilkes-Barre
- Wyoming
Luzerne questions
Can I use a county program anywhere in Luzerne?
The 3 county-wide programs cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Luzerne County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Luzerne programs accept condos?
Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.
Where can I take a homebuyer class in Luzerne?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies have an office in Luzerne County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.