Habitat for Humanity of Spartanburg Homeownership Program
Down-payment assistance · New construction · Income limits
Down payment assistance · Spartanburg County
Buying a home in Cowpens, SC
2 county programs and 11 statewide.Cowpens has no program of its own, 2 across Spartanburg County, and 11 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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What’s local to Cowpens
No program of Cowpens’s own yet
No program run for Cowpens alone is listed. A home in Cowpens can use Spartanburg County’s programs below, plus the South Carolina statewide and federal ones.
The closest city that runs its own program is Spartanburg, about 9 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in SpartanburgAnywhere in Spartanburg County
2 county programs2 county programs a Cowpens homebuyer can use
4 more programs are for homes in Spartanburg. See them 4 programs in neighboring cities — for homes inside those cities, not Cowpens
- Spartanburg — CommunityWorks City of Spartanburg Homebuyer Assistance Program
- Spartanburg — City of Spartanburg Homebuyer Assistance Program
- Spartanburg — Homebuyer Assistance Program
- Spartanburg — Northside Development Group Spartanburg Home Buyer Assistance
The Cowpens marketThe Cowpens housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cowpens
- 75.2% single-familysingle-family
- 2.9% townhousetownhouse
- 8.6% 2–4 units2–4 units
- 5.9% 5+ unitscondo & apartment buildings (5+ units)
- 7.4% mobile & othermobile home & other
Condos count. 1 of Cowpens’s 2 local and county programs accept condos. Habitat for Humanity of Spartanburg Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cowpens’s homes were built
pre-19401970s2020+
70%
of Cowpens 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.
$91,200
County area median income, 4 people (HUD)HUD area median income, Spartanburg County, 4-person household (2026)
$39,094
Cowpens median household incomeMedian household income in Cowpens (Census, 2024)
11 of the 75 programs here set their income limit as a share of Spartanburg County’s area median income, adjusted for household size. See the published limits for Spartanburg County
Free help nearbyFree help near Cowpens
2 HUD-approved counseling agencies within 15 miles2 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.All 2 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 South Carolina and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Cowpens questions
Does Cowpens have its own down payment program?
No program run for Cowpens alone is listed. A home in Cowpens can use the 2 programs that cover Spartanburg County and the 11 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Cowpens?
1 of Cowpens’s 2 local and county programs accept condos. Habitat for Humanity of Spartanburg Homeownership Program 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 Spartanburg County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Spartanburg 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 Cowpens?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Cowpens. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
29330
Nearby in Spartanburg
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.