Deferred second loan
State College Borough First-Time Home Buyer Program
First-time homebuyers · Income limits · Single Family
Down payment assistance · Centre County
Buying a home in State College, PA
1 State College program, 3 county programs and 5 statewide.State College has 1 program of its own, 3 more across Centre 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 State College addresses
State College’s own program
Anywhere in CentreAnywhere in Centre County
3 county programs3 county programs a State College homebuyer can also use
The State College marketThe State College housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in State College
- 25.9% single-familysingle-family
- 8.4% townhousetownhouse
- 6.6% 2–4 units2–4 units
- 58.3% 5+ unitscondo & apartment buildings (5+ units)
- 0.8% mobile & othermobile home & other
Condos count. 1 of State College’s 4 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When State College’s homes were built
pre-19401970s2020+
66.8%
of State College 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.
$118,300
County area median income, 4 people (HUD)HUD area median income, Centre County, 4-person household (2026)
$45,424
State College median household incomeMedian household income in State College (Census, 2024)
12 of the 71 programs here set their income limit as a share of Centre County’s area median income, adjusted for household size. See the published limits for Centre County
Free help nearbyFree help near State College
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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
State College questions
Does State College have its own down payment program?
Yes, one: State College Borough First-Time Home Buyer Program, a deferred second loan for first-time homebuyers (income limits). It is for homes inside State College.
Can I use assistance on a condo in State College?
1 of State College’s 4 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 Centre County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Centre 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 State College?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of State College. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
16801 · 16803 · 16804 · 16805
Nearby in Centre
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.