Forgivable loan
CDBG Target Area Down-payment Assistance
First-time homebuyers · Income limits · Single-family residential dwelling intended for owner-occupancy in target area.
Down payment assistance · Florence County
Buying a home in Florence, SC
4 Florence programs and 11 statewide.Florence has 4 programs of its own, 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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Only for Florence addresses
Florence’s own programs
Down-payment assistance
Greater Florence Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Forgivable loan
Neighborhood Redevelopment Down-payment Assistance
First-time homebuyers · Income limits · Newly constructed single-family home built by the City of Florence in the North/Northwest/East Florence redevelopment neighborhoods.
Forgivable loan
North Pointe Subdivision Down-payment Assistance
First-time homebuyers · Income limits · Newly constructed single-family home in the North Pointe Subdivision.
The Florence marketThe Florence housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Florence
- 66.8% single-familysingle-family
- 3.3% townhousetownhouse
- 11.2% 2–4 units2–4 units
- 17% 5+ unitscondo & apartment buildings (5+ units)
- 1.7% mobile & othermobile home & other
About condos. None of Florence’s 4 local and county programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Florence’s homes were built
pre-19401970s2020+
46.7%
of Florence 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.
$79,300
County area median income, 4 people (HUD)HUD area median income, Florence County, 4-person household (2026)
$56,143
Florence median household incomeMedian household income in Florence (Census, 2024)
15 of the 77 programs here set their income limit as a share of Florence County’s area median income, adjusted for household size. See the published limits for Florence County
Free help nearbyFree help near Florence
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 South Carolina and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Florence questions
Does Florence have its own down payment program?
Yes, 4: CDBG Target Area Down-payment Assistance, Greater Florence Habitat for Humanity Homeownership Program, Neighborhood Redevelopment Down-payment Assistance and North Pointe Subdivision Down-payment Assistance. Each is for homes inside Florence.
Can I use assistance on a condo in Florence?
None of Florence’s 4 local and county programs list condos as eligible. 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 Florence County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Florence 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 Florence?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Florence. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
29501 · 29502 · 29503 · 29504 · 29505 · 29506
Nearby in Florence
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.