Forgivable loan
Oak Ridge Housing Authority Homebuyer Assistance Program
First-time homebuyers · Income limits · Single Family
Down payment assistance · Anderson County
Buying a home in Oak Ridge, TN
1 Oak Ridge program and 11 statewide.Oak Ridge has 1 program 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 Oak Ridge addresses
Oak Ridge’s own program
The Oak Ridge marketThe Oak Ridge housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Oak Ridge
- 69.1% single-familysingle-family
- 6.2% townhousetownhouse
- 6% 2–4 units2–4 units
- 18.2% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
About condos. Oak Ridge’s one local program does not list condos as eligible. Oak Ridge Housing Authority Homebuyer Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Oak Ridge’s homes were built
pre-19401970s2020+
67.3%
of Oak Ridge 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.
$103,700
County area median income, 4 people (HUD)HUD area median income, Anderson County, 4-person household (2026)
$72,311
Oak Ridge median household incomeMedian household income in Oak Ridge (Census, 2024)
13 of the 74 programs here set their income limit as a share of Anderson County’s area median income, adjusted for household size. See the published limits for Anderson County
Free help nearbyFree help near Oak Ridge
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Oak Ridge’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Oak Ridge Housing Authority Homebuyer Assistance Program asks 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 Tennessee and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Oak Ridge questions
Does Oak Ridge have its own down payment program?
Yes, one: Oak Ridge Housing Authority Homebuyer Assistance Program, a forgivable loan for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Oak Ridge.
Can I use assistance on a condo in Oak Ridge?
Oak Ridge’s one local program does not list condos as eligible. Oak Ridge Housing Authority Homebuyer Assistance 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 Anderson County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Anderson 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 Oak Ridge?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
37830 · 37831
Nearby in Anderson
Sources
Sources: agency sites (July 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 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.