First mortgage
Habitat for Humanity of the New River Valley Homeownership Program
New construction · Income limits · Single Family · Townhouse
Down payment assistance · Montgomery County
Buying a home in Christiansburg, VA
1 Christiansburg program, 1 county program and 8 statewide.Christiansburg has 1 program of its own, 1 more across Montgomery County, and 8 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 Christiansburg addresses
Christiansburg’s own program
Anywhere in MontgomeryAnywhere in Montgomery County
1 county program1 county program a Christiansburg homebuyer can also use
The Christiansburg marketThe Christiansburg housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Christiansburg
- 58.8% single-familysingle-family
- 15.3% townhousetownhouse
- 9.3% 2–4 units2–4 units
- 9.6% 5+ unitscondo & apartment buildings (5+ units)
- 6.9% mobile & othermobile home & other
About condos. None of Christiansburg’s 2 local and county programs list condos as eligible. Habitat for Humanity of the New River Valley Homeownership Program lists single family and townhouse. New River Home Trust (Community Land Trust) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Christiansburg’s homes were built
pre-19401970s2020+
39.1%
of Christiansburg 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.
$119,600
County area median income, 4 people (HUD)HUD area median income, Montgomery County, 4-person household (2026)
$77,147
Christiansburg median household incomeMedian household income in Christiansburg (Census, 2024)
16 of the 72 programs here set their income limit as a share of Montgomery County’s area median income, adjusted for household size. See the published limits for Montgomery County
Free help nearbyFree help near Christiansburg
3 HUD-approved counseling agencies within 15 miles3 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 Virginia and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
- Habitat for Humanity Virginia Statewide HOMEownership Down Payment Assistance ProgramUp to $40,000 · Deferred second loan
- HOMEownership Down Payment Assistance Program (VHCDC)Up to $25,000 · Forgivable loan
- Virginia Individual Development Account (VIDA) Program (VHCDC)Up to $10,000 · Down-payment assistance
Christiansburg questions
Does Christiansburg have its own down payment program?
Yes, one: Habitat for Humanity of the New River Valley Homeownership Program, a first mortgage (new construction, income limits). It is for homes inside Christiansburg.
Can I use assistance on a condo in Christiansburg?
None of Christiansburg’s 2 local and county programs list condos as eligible. Habitat for Humanity of the New River Valley Homeownership Program lists single family and townhouse. New River Home Trust (Community Land Trust) 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 Montgomery County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Montgomery 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 Christiansburg?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Christiansburg. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
24068 · 24073
Nearby in Montgomery
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.