First mortgage
Habitat for Humanity of the Greater Harrisburg Area Homeownership Program
New construction · Income limits · Single Family
Down payment assistance · Dauphin County
Buying a home in Harrisburg, PA
1 Harrisburg program, 2 county programs and 5 statewide.Harrisburg has 1 program of its own, 2 more across Dauphin 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 Harrisburg addresses
Harrisburg’s own program
Anywhere in DauphinAnywhere in Dauphin County
2 county programs2 county programs a Harrisburg homebuyer can also use
The Harrisburg marketThe Harrisburg housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Harrisburg
- 14% single-familysingle-family
- 43.1% townhousetownhouse
- 14.4% 2–4 units2–4 units
- 27.5% 5+ unitscondo & apartment buildings (5+ units)
- 1% mobile & othermobile home & other
Condos count. 1 of Harrisburg’s 3 local and county programs accept condos. Habitat for Humanity of the Greater Harrisburg Area Homeownership Program lists single family. Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Harrisburg’s homes were built
pre-19401970s2020+
85.3%
of Harrisburg 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.
$109,300
County area median income, 4 people (HUD)HUD area median income, Dauphin County, 4-person household (2026)
$48,099
Harrisburg median household incomeMedian household income in Harrisburg (Census, 2024)
11 of the 70 programs here set their income limit as a share of Dauphin County’s area median income, adjusted for household size. See the published limits for Dauphin County
Free help nearbyFree help near Harrisburg
3 HUD-approved counseling agencies within 15 miles3 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 Pennsylvania and nationwide
67 statewide & federal programs5 statewide programs, plus federal options
Harrisburg questions
Does Harrisburg have its own down payment program?
Yes, one: Habitat for Humanity of the Greater Harrisburg Area Homeownership Program, a first mortgage (new construction, income limits). It is for homes inside Harrisburg.
Can I use assistance on a condo in Harrisburg?
1 of Harrisburg’s 3 local and county programs accept condos. Habitat for Humanity of the Greater Harrisburg Area Homeownership Program lists single family. Dauphin County Affordable Housing Trust Fund First-Time Homebuyers Program (FTHB) 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 Dauphin County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Dauphin 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 Harrisburg?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Harrisburg. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
17101 · 17102 · 17103 · 17104 · 17105 · 17106 · 17107 · 17108 · 17109 · 17110 · 17111 · 17112 · 17113 · 17120 · 17121 · 17122 · 17123 · 17124 · 17125 · 17126 · 17127 · 17128 · 17129 · 17130 · 17140 · 17177
Nearby in Dauphin
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.