Deferred second loan
City of Scranton Homebuyer Program
First-time homebuyers · Income limits · Single-family detached · Townhouse · Condominium
Down payment assistance · Lackawanna County
Buying a home in Scranton, PA
2 Scranton programs, 1 county program and 5 statewide.Scranton has 2 programs 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.
Find my programs Free · No credit pull · 90 seconds
Only for Scranton addresses
Scranton’s own programs
Deferred second loan
First Time Homebuyer program
First-time homebuyers · Income limits · Single-family detached · Townhouse · Condominium
Anywhere in LackawannaAnywhere in Lackawanna County
1 county program1 county program a Scranton homebuyer can also use
1 more program is for homes in Carbondale. See them 1 program in neighboring cities — for homes inside those cities, not Scranton
- Carbondale — City of Carbondale Homebuyer Program
The Scranton marketThe Scranton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Scranton
- 48.7% single-familysingle-family
- 10.6% townhousetownhouse
- 25.2% 2–4 units2–4 units
- 15.3% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
Condos count. All 3 of Scranton’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Scranton’s homes were built
pre-19401970s2020+
87.5%
of Scranton 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)
$50,739
Scranton median household incomeMedian household income in Scranton (Census, 2024)
12 of the 70 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 Scranton
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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Pennsylvania and nationwide
67 statewide & federal programs5 statewide programs, plus federal options
Scranton questions
Does Scranton have its own down payment program?
Yes, 2: City of Scranton Homebuyer Program and First Time Homebuyer program. Each is for homes inside Scranton.
Can I use assistance on a condo in Scranton?
All 3 of Scranton’s local and county programs accept condos. 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. 12 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 Scranton?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Scranton. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
18501 · 18502 · 18503 · 18504 · 18505 · 18508 · 18509 · 18510 · 18512 · 18514 · 18515 · 18522 · 18540 · 18577
Nearby in Lackawanna
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.