Down-payment assistance
Habitat for Humanity of York County Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · York County
Buying a home in Rock Hill, SC
2 Rock Hill programs and 11 statewide.Rock Hill has 2 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 Rock Hill addresses
Rock Hill’s own programs
Forgivable loan
Housing Development Corp. of Rock Hill First Time Home Buyer Program
First-time homebuyers · Income limits · Newly constructed or existing single-family homes · condominiums and townhomes · modular homes on a permanent foundation. All within Rock Hill city limits and used as primary residence.
The Rock Hill marketThe Rock Hill housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Rock Hill
- 59.5% single-familysingle-family
- 6.2% townhousetownhouse
- 5.5% 2–4 units2–4 units
- 27.5% 5+ unitscondo & apartment buildings (5+ units)
- 1.4% mobile & othermobile home & other
Condos count. 1 of Rock Hill’s 2 local and county programs accept condos. Habitat for Humanity of York County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Rock Hill’s homes were built
pre-19401970s2020+
34.5%
of Rock Hill 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.
$117,400
County area median income, 4 people (HUD)HUD area median income, York County, 4-person household (2026)
$68,771
Rock Hill median household incomeMedian household income in Rock Hill (Census, 2024)
13 of the 75 programs here set their income limit as a share of York County’s area median income, adjusted for household size. See the published limits for York County
Free help nearbyFree help near Rock Hill
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency 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
Rock Hill questions
Does Rock Hill have its own down payment program?
Yes, 2: Habitat for Humanity of York County Homeownership Program and Housing Development Corp. of Rock Hill First Time Home Buyer Program. Each is for homes inside Rock Hill.
Can I use assistance on a condo in Rock Hill?
1 of Rock Hill’s 2 local and county programs accept condos. Habitat for Humanity of York County 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 York County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for York 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 Rock Hill?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Rock Hill. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
29730 · 29731 · 29732 · 29733 · 29734
Nearby in York
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.