Down-payment assistance
Wyoming Valley Habitat for Humanity Homeownership Program
New construction · Income limits · Single Family
Down payment assistance · Luzerne County
Buying a home in Kingston, PA
1 Kingston program, 2 county programs and 5 statewide.Kingston has 1 program of its own, 2 more across Luzerne 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 Kingston addresses
Kingston’s own program
Anywhere in LuzerneAnywhere in Luzerne County
2 county programs2 county programs a Kingston homebuyer can also use
The Kingston marketThe Kingston housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Kingston
- 49.9% single-familysingle-family
- 15.4% townhousetownhouse
- 22.4% 2–4 units2–4 units
- 12.2% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Kingston’s homes were built
pre-19401970s2020+
91%
of Kingston 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, Luzerne County, 4-person household (2026)
$55,347
Kingston median household incomeMedian household income in Kingston (Census, 2024)
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 nearbyFree help near Kingston
4 HUD-approved counseling agencies within 15 miles4 HUD-approved housing counseling agencies 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.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.
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Across Pennsylvania and nationwide
67 statewide & federal programs5 statewide programs, plus federal options
Kingston questions
Does Kingston have its own down payment program?
Yes, one: Wyoming Valley Habitat for Humanity Homeownership Program, a down-payment assistance (new construction, income limits). It is for homes inside Kingston.
Can I use assistance on a condo in Kingston?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Luzerne County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Luzerne 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 Kingston?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies are within 15 miles of Kingston. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
18704
Nearby in Luzerne
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.